FDIC Certificate #: 58768 Status: Active Federal Reserve ID: 3635551 Bank Holding Company (Regulatory Top Holder): Relationship Financial Corporation (RSSDID: 3635560, Location: Kerrville, TX) Date Established: March 17, 2008 WWW:http://www.guadalupenational.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 467484 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: March 17, 2008 Last Structure Change Effective Date: Febuary 23, 2010 Last Structure Change Process Date: June 25, 2010 Last Data Update: June 25, 2010 Data Source Date: April 05, 2012
Location
Address: 1309 Bandera Hwy, Kerrville, TX 78028 County: Kerr 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 Core Based Statistical Area (CBSA): Kerrville, TX (#28500) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $90.0 mil Equity capital: $8.4 mil Deposits held in domestic offices: $81.6 mil Return on assets (ROA): 0.23% ($0.2 mil) Quarterly return on assets: -0.25% (-$0.2 mil) Return on Equity (ROE): 2.30% ($0.2 mil) Quarterly return on equity: -2.61% (-$0.2 mil) Net income: $0.2 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.23% ($207.0 mil) Quarterly Pretax return on assets: -0.25% (-$225.0 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
38Total employees (full-time equivalent)
$90,017Total assets
$21,874Cash and due from depository institutions
$20,199Interest-bearing balances
$3,677Securities
$500Federal funds sold & reverse repurchase agreements
$58,560Net loans & leases
$770Loan loss allowance
$0Trading account assets
$4,492Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$90,017Life insurance assets
$914All other assets
$81,628Total liabilities and capital
$81,561Total liabilities
$65,897Total deposits
$81,561Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$67Subordinated debt
$8,389All other liabilities
$8,389Total equity capital
$8,389Total bank equity capital
$0Perpetual preferred stock
$3,600Common stock
$6,500Surplus
$-1,711Undivided profits
Memoranda
$0Noncurrent loans and leases
$4,432Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$274Long-term assets (5+ years)
$82,936Average Assets, year-to-date
$23,231Average Assets, quarterly
$82,627Volatile liabilities
$86,807Insider loans
$62,625FHLB advances
$87,485Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,343Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,576Restructured Loans and leases
$3,833Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,498Total interest income
$552Total interest expense
$2,946Net interest income
$73Provision for loan and lease losses
$2,320Total noninterest income
$0Fiduciary activities
$131Service charges on deposit accounts
$0Trading account gains & fees
$2,189Additional noninterest income
$5,001Total noninterest expense
$3,027Salaries and employee benefits
$452Premises and equipment expense
$1,522Additional noninterest expense
$192Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$192Income before extraordinary items
$0Extraordinary gains - net
$192Net income attributable to bank
$0Net charge-offs
$192Cash dividends
$1Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.62%Yield on earning assets
0.73%Cost of funding earning assets
3.89%Net interest margin
3.06%Noninterest income to earning assets
6.60%Noninterest expense to earning assets
0.23%Net operating income to assets
0.23%Return on assets (ROA)
0.23%Pretax return on assets
2.30%Return on equity (ROE)
2.30%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
7300.00%Credit loss provision to net charge-offs
265.00%Efficiency ratio
94,968Assets per employee
2.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
71.80%Net loans and leases to core deposits
72.58%Equity capital to assets
9.32%Core capital (leverage) ratio
9.54%Tier 1 risk-based capital ratio
13.32%Total risk-based capital ratio
Memoranda
$15Average assets
$82,627Average earning assets
$8,345Average equity
$75,716Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
467484
Guadalupe National Bank
1309 Bandera Hwy, Kerrville, TX 78028
March 17, 2008
Full Service Brick and Mortar
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