Security National Bank of San Antonio in San Antonio, Texas (TX)



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Security National Bank of San Antonio
GeneralFDIC Certificate #: 18849
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: SouthTrust Bank (#849)
Federal Reserve ID: 884264
Date Established: July 31, 1963
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Interstate: No)
FDIC's unique #: 12705
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 31, 1963
Last Structure Change Effective Date: April 14, 2000
Last Structure Change Process Date: June 23, 2000
Last Data Update: June 23, 2000
Data Source Date: April 05, 2012
LocationAddress: 100 St. Cloud Road, San Antonio, TX 78228
County: Bexar
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
Metropolitan Statistical Area (MSA): San Antonio, TX (#7240)
Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
Financial SummaryTotal assets: $177.2 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, 1999)
(Dollar figures in thousands)
Total employees (full-time equivalent)109
Total assets$174,544
Cash and due from depository institutions$10,273
Interest-bearing balances$0
Securities$29,788
Federal funds sold & reverse repurchase agreements$17,475
Net loans & leases$106,851
Loan loss allowance $1,044
Trading account assets$0
Bank premises and fixed assets$4,840
Other real estate owned$44
Goodwill and other intangibles$0
All other assets$5,273
Life insurance assets$0
Total liabilities and capital$174,544
Total liabilities$160,284
Total deposits$156,655
Interest-bearing deposits$101,916
Deposits held in domestic offices$156,655
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $1,543
Subordinated debt $0
All other liabilities $2,086
Total equity capital$14,260
Total bank equity capital$14,260
Perpetual preferred stock$14,260
Common stock$0
Surplus$1,460
Undivided profits $1,709
Memoranda
Noncurrent loans and leases $11,091
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $26,151
Income earned, not collected on loans $0
Earning assets $563
Long-term assets (5+ years) $202
Average Assets, year-to-date $592
Average Assets, quarterly $154,114
Volatile liabilities $29,376
Insider loans $183,505
FHLB advances $179,335
Loans and leases held for sale $19,392
Unused loan commitments $498
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $26,151
Restructured Loans and leases $17
Derivatives$1,044
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Income and Expense (December 31, 1999)
(Dollar figures in thousands)
Total interest income $13,065
Total interest expense $3,720
Net interest income $9,345
Provision for loan and lease losses $2,237
Total noninterest income $1,359
Fiduciary activities $0
Service charges on deposit accounts $920
Trading account gains & fees $0
Additional noninterest income $439
Total noninterest expense $7,436
Salaries and employee benefits $4,489
Premises and equipment expense $906
Additional noninterest expense $2,041
Pre-tax net operating income $1,031
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,031
Extraordinary gains - net $0
Net income attributable to bank $1,031
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $2,064
Net operating income $865
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Performance and Condition Ratios (December 31, 1999)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets8.15%
Cost of funding earning assets 2.32%
Net interest margin 5.83%
Noninterest income to earning assets 0.85%
Noninterest expense to earning assets 4.64%
Net operating income to assets 0.56%
Return on assets (ROA) 0.56%
Pretax return on assets 0.56%
Return on equity (ROE) 7.12%
Retained earnings to average equity (YTD only) 1.15%
Net charge-offs to loans 1.87%
Credit loss provision to net charge-offs 108.38%
Efficiency ratio1.58%
Assets per employee$69,469
Cash dividends to net income (YTD only)1.60%
Condition Ratios (%)
Loss allowance to loans 83.90%
Loss allowance to noncurrent loans 0.97%
Noncurrent assets plus other real estate owned to assets 185.44%
Noncurrent loans to loans 0.35%
Net loans and leases to deposits0.52%
Net loans and leases to core deposits 68.21%
Equity capital to assets 76.98%
Core capital (leverage) ratio 8.17%
Tier 1 risk-based capital ratio 8.04%
Total risk-based capital ratio 11.21%
Memoranda
Average assets$12
Average earning assets$183,505
Average equity $14,474
Average loans $160,400
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