International Bank, National Association in Brownsville, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1993

  • International Bank, National Association in Brownsville, Texas (TX)
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International Bank, National Association - Overview

  • General
  • FDIC Certificate #: 23476
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: International Bank of Commerce (#25679)
    Federal Reserve ID: 231251
    Date Established: July 06, 1981
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 16454
    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: July 06, 1981
    Last Structure Change Effective Date: October 01, 1993
    Last Structure Change Process Date: November 03, 1993
    Last Data Update: November 03, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 4520 East 14th Street, Brownsville, TX 78520
    County: Cameron
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Brownsville-Harlingen-San Benito, TX (#1240)
    Combined Statistical Area (CSA): Brownsville-Harlingen-Raymondville, TX (#154)
    Core Based Statistical Area (CBSA): Brownsville-Harlingen, TX (#15180)
    CBSA Metro Statistical Area: Brownsville-Harlingen, TX (#15180)
  • Financial Summary
  • Total assets: $57.3 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $36Total assets
  • $53,606Cash and due from depository institutions
  • $3,899Interest-bearing balances
  • $199Securities
  • $18,696Federal funds sold & reverse repurchase agreements
  • $4,100Net loans & leases
  • $24,477Loan loss allowance
  • $569Trading account assets
  • $0Bank premises and fixed assets
  • $1,258Other real estate owned
  • $693Goodwill and other intangibles
  • $483Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $53,606Total liabilities
  • $50,342Total deposits
  • $49,871Interest-bearing deposits
  • $39,525Deposits held in domestic offices
  • 49871.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $180Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $291Total equity capital
  • $291Total bank equity capital
  • $3,264Perpetual preferred stock
  • $0Common stock
  • $850Surplus
  • $1,933Undivided profits
  • Memoranda
  • $481Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $313Income earned, not collected on loans
  • $149Earning assets
  • $47,472Long-term assets (5+ years)
  • $10,930Average Assets, year-to-date
  • $50,352Average Assets, quarterly
  • $52,312Volatile liabilities
  • $10,574Insider loans
  • $38FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,908Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,264Total risk weighted assets
  • $22,984Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,702Total interest expense
  • $1,583Net interest income
  • $2,119Provision for loan and lease losses
  • -$13Total noninterest income
  • $765Fiduciary activities
  • $0Service charges on deposit accounts
  • $403Trading account gains & fees
  • $0Additional noninterest income
  • $362Total noninterest expense
  • $2,052Salaries and employee benefits
  • $945Premises and equipment expense
  • $336Additional noninterest expense
  • $771Pre-tax net operating income
  • $845Securities gains (losses)
  • $4Applicable income taxes
  • $209Income before extraordinary items
  • $640Extraordinary gains - net
  • $0Net income attributable to bank
  • $640Net charge-offs
  • $183Cash 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
  • 8.24%Cost of funding earning assets
  • 3.52%Net interest margin
  • 4.72%Noninterest income to earning assets
  • 1.70%Noninterest expense to earning assets
  • 4.57%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 1.69%Return on equity (ROE)
  • 22.40%Retained earnings to average equity (YTD only)
  • 22.40%Net charge-offs to loans
  • 0.75%Credit loss provision to net charge-offs
  • -7.10%Efficiency ratio
  • 71,151Assets per employee
  • 1.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.27%Loss allowance to noncurrent loans
  • 181.79%Noncurrent assets plus other real estate owned to assets
  • 1.88%Noncurrent loans to loans
  • 1.25%Net loans and leases to deposits
  • 49.08%Net loans and leases to core deposits
  • 62.00%Equity capital to assets
  • 6.09%Core capital (leverage) ratio
  • 6.40%Tier 1 risk-based capital ratio
  • 14.20%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $50,352Average earning assets
  • $2,857Average equity
  • $44,916Average loans

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