FDIC Certificate #: 20469 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Frost National Bank (#5510) Federal Reserve ID: 983653 Date Established: August 26, 1971 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 9593 FDIC's unique #: 14115 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: August 26, 1971 Last Structure Change Effective Date: January 14, 1999 Last Structure Change Process Date: Febuary 26, 1999 Last Data Update: Febuary 26, 1999 Data Source Date: April 05, 2012
Location
Address: 217 North Main Street, Keller, TX 76248 County: Tarrant Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Fort Worth-Arlington, TX (#2800) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Fort Worth-Arlington, TX (#23104)
Financial Summary
Total assets: $73.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
46Total employees (full-time equivalent)
$73,461Total assets
$3,457Cash and due from depository institutions
$594Interest-bearing balances
$18,452Securities
$12,865Federal funds sold & reverse repurchase agreements
$36,466Net loans & leases
$407Loan loss allowance
$0Trading account assets
$385Bank premises and fixed assets
$790Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,046All other assets
$73,461Total liabilities and capital
$65,153Total liabilities
$64,585Total deposits
$46,747Interest-bearing deposits
$64,585Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$568All other liabilities
$8,308Total equity capital
$8,308Total bank equity capital
$8,308Perpetual preferred stock
$0Common stock
$750Surplus
$4,050Undivided profits
Memoranda
$3,508Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$365Average Assets, year-to-date
$68,377Average Assets, quarterly
$197Volatile liabilities
$72,465Insider loans
$72,462FHLB advances
$9,289Loans and leases held for sale
$1,397Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,687Total unused commitments
$0Restructured Loans and leases
$46,413Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$5,989Total interest income
$1,786Total interest expense
$4,203Net interest income
$0Provision for loan and lease losses
$560Total noninterest income
$0Fiduciary activities
$439Service charges on deposit accounts
$0Trading account gains & fees
$121Additional noninterest income
$3,410Total noninterest expense
$2,065Salaries and employee benefits
$458Premises and equipment expense
$887Additional noninterest expense
$1,353Pre-tax net operating income
$0Securities gains (losses)
$343Applicable income taxes
$1,010Income before extraordinary items
$0Extraordinary gains - net
$1,010Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$16Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.89%Yield on earning assets
2.65%Cost of funding earning assets
6.24%Net interest margin
0.83%Noninterest income to earning assets
5.06%Noninterest expense to earning assets
1.39%Net operating income to assets
1.39%Return on assets (ROA)
1.87%Pretax return on assets
12.93%Return on equity (ROE)
12.93%Retained earnings to average equity (YTD only)
-0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
71,594Assets per employee
1.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
1.08%Noncurrent loans to loans
0.00%Net loans and leases to deposits
56.46%Net loans and leases to core deposits
65.95%Equity capital to assets
11.31%Core capital (leverage) ratio
11.52%Tier 1 risk-based capital ratio
17.90%Total risk-based capital ratio
Memoranda
$19Average assets
$72,465Average earning assets
$7,814Average equity
$67,332Average loans
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