State National Bank in El Paso, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 14, 2003

  • State National Bank in El Paso, Texas (TX)
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State National Bank - Overview

  • General
  • FDIC Certificate #: 21724
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State National Bank (#34336)
    Federal Reserve ID: 930451
    Date Established: August 05, 1974
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 19 (Interstate: No)
    OTS Docket #: 11006
    FDIC's unique #: 15038
    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: August 05, 1974
    Last Structure Change Effective Date: Febuary 14, 2003
    Last Structure Change Process Date: April 30, 2003
    Last Data Update: April 30, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 690 Sunland Park Drive, El Paso, TX 79912
    County: El Paso
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Albuquerque
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): El Paso, TX (#2320)
    Core Based Statistical Area (CBSA): El Paso, TX (#21340)
    CBSA Metro Statistical Area: El Paso, TX (#21340)
  • Financial Summary
  • Total assets: $584.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)

  • Dollar figures in thousands
  • 258Total employees (full-time equivalent)
  • $584,540Total assets
  • $36,325Cash and due from depository institutions
  • $3,772Interest-bearing balances
  • $97,344Securities
  • $8,839Federal funds sold & reverse repurchase agreements
  • $382,647Net loans & leases
  • $4,653Loan loss allowance
  • $0Trading account assets
  • $10,535Bank premises and fixed assets
  • $63Other real estate owned
  • $28,181Goodwill and other intangibles
  • $0Life insurance assets
  • $20,606All other assets
  • $584,540Total liabilities and capital
  • $513,143Total liabilities
  • $487,098Total deposits
  • $350,957Interest-bearing deposits
  • $487,098Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $20,656Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $646Other borrowed funds
  • $0Subordinated debt
  • $4,743All other liabilities
  • $71,397Total equity capital
  • $71,397Total bank equity capital
  • $71,397Perpetual preferred stock
  • $0Common stock
  • $1,675Surplus
  • $62,393Undivided profits
  • Memoranda
  • $7,329Noncurrent loans and leases
  • $293,194Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,578Earning assets
  • $1,371Long-term assets (5+ years)
  • $2,619Average Assets, year-to-date
  • $492,602Average Assets, quarterly
  • $52,116Volatile liabilities
  • $583,370Insider loans
  • $589,390FHLB advances
  • $103,581Loans and leases held for sale
  • $379Unused loan commitments
  • $646Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $15,475Total risk weighted assets
  • $293,194Total unused commitments
  • $87Restructured Loans and leases
  • $4,656Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $33,109Total interest income
  • $6,993Total interest expense
  • $26,116Net interest income
  • $1,195Provision for loan and lease losses
  • $7,983Total noninterest income
  • $0Fiduciary activities
  • $4,251Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,732Additional noninterest income
  • $23,493Total noninterest expense
  • $10,543Salaries and employee benefits
  • $4,286Premises and equipment expense
  • $8,664Additional noninterest expense
  • $9,411Pre-tax net operating income
  • $186Securities gains (losses)
  • $2,908Applicable income taxes
  • $6,689Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,689Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $773Sale, conversion, retirement of capital stock, net
  • $3,000Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.69%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 5.28%Net interest margin
  • 1.61%Noninterest income to earning assets
  • 4.75%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.65%Pretax return on assets
  • 8.91%Return on equity (ROE)
  • 4.91%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 154.59%Credit loss provision to net charge-offs
  • 13.72%Efficiency ratio
  • 65,518Assets per employee
  • 2.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.85%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 101.64%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 1.18%Net loans and leases to deposits
  • 78.56%Net loans and leases to core deposits
  • 94.67%Equity capital to assets
  • 12.21%Core capital (leverage) ratio
  • 7.79%Tier 1 risk-based capital ratio
  • 11.48%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $583,370Average earning assets
  • $75,106Average equity
  • $494,740Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $174Managed Assets
  • 1Number of Accounts
  • $174Personal trust and agency accounts
  • $165Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $9Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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