Frio National Bank in Pearsall, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 24, 1993

  • Frio National Bank in Pearsall, Texas (TX)
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Frio National Bank - Overview

  • General
  • FDIC Certificate #: 26232
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Camino Real Bank, National Association (#22615)
    Federal Reserve ID: 841968
    Date Established: May 15, 1985
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 32569
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: May 15, 1985
    Last Structure Change Effective Date: September 24, 1993
    Last Structure Change Process Date: October 19, 1993
    Last Data Update: October 19, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 215 South Ash Street, Pearsall, TX 78061
    County: Frio
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $12.1 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $10Total assets
  • $11,442Cash and due from depository institutions
  • $734Interest-bearing balances
  • $0Securities
  • $4,214Federal funds sold & reverse repurchase agreements
  • $1,000Net loans & leases
  • $4,901Loan loss allowance
  • $114Trading account assets
  • $0Bank premises and fixed assets
  • $430Other real estate owned
  • $32Goodwill and other intangibles
  • $131Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $11,442Total liabilities
  • $10,481Total deposits
  • $10,369Interest-bearing deposits
  • $8,371Deposits held in domestic offices
  • 10369.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $61Subordinated debt
  • $0All other liabilities
  • $51Total equity capital
  • $51Total bank equity capital
  • $961Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $1,900Undivided profits
  • Memoranda
  • $-1,689Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $113Income earned, not collected on loans
  • $61Earning assets
  • $10,115Long-term assets (5+ years)
  • $852Average Assets, year-to-date
  • $11,587Average Assets, quarterly
  • $11,186Volatile liabilities
  • $1,568Insider loans
  • $64FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $794Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $961Total risk weighted assets
  • $6,047Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $907Total interest expense
  • $328Net interest income
  • $579Provision for loan and lease losses
  • $15Total noninterest income
  • $192Fiduciary activities
  • $0Service charges on deposit accounts
  • $156Trading account gains & fees
  • $0Additional noninterest income
  • $36Total noninterest expense
  • $658Salaries and employee benefits
  • $251Premises and equipment expense
  • $78Additional noninterest expense
  • $329Pre-tax net operating income
  • $98Securities gains (losses)
  • $34Applicable income taxes
  • $48Income before extraordinary items
  • $84Extraordinary gains - net
  • $48Net income attributable to bank
  • $132Net charge-offs
  • -$10Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.76%Cost of funding earning assets
  • 3.17%Net interest margin
  • 5.59%Noninterest income to earning assets
  • 1.85%Noninterest expense to earning assets
  • 6.35%Net operating income to assets
  • 0.54%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 1.55%Return on equity (ROE)
  • 14.69%Retained earnings to average equity (YTD only)
  • 14.69%Net charge-offs to loans
  • -0.20%Credit loss provision to net charge-offs
  • -150.00%Efficiency ratio
  • 85,344Assets per employee
  • 1.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.27%Loss allowance to noncurrent loans
  • 100.88%Noncurrent assets plus other real estate owned to assets
  • 1.27%Noncurrent loans to loans
  • 2.25%Net loans and leases to deposits
  • 47.27%Net loans and leases to core deposits
  • 55.30%Equity capital to assets
  • 8.40%Core capital (leverage) ratio
  • 8.34%Tier 1 risk-based capital ratio
  • 15.89%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $11,587Average earning assets
  • $899Average equity
  • $10,356Average loans

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