Stone Oak National Bank in San Antonio, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 08, 1995

  • Stone Oak National Bank in San Antonio, Texas (TX)
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Stone Oak National Bank - Overview

  • General
  • FDIC Certificate #: 24549
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: International Bank of Commerce (#19629)
    Federal Reserve ID: 331665
    Date Established: June 01, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 17054
    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: June 01, 1983
    Last Structure Change Effective Date: September 08, 1995
    Last Structure Change Process Date: November 13, 1995
    Last Data Update: November 13, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 18750 Stone Oak Parkway, San Antonio, TX 78258
    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)
  • History of Changes
  • Merger - Without Assistance
    Participated in Reorganization
  • Financial Summary
  • Total assets: $19.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $15Total assets
  • $19,745Cash and due from depository institutions
  • $1,933Interest-bearing balances
  • $0Securities
  • $6,379Federal funds sold & reverse repurchase agreements
  • $1,825Net loans & leases
  • $8,710Loan loss allowance
  • $91Trading account assets
  • $0Bank premises and fixed assets
  • $168Other real estate owned
  • $319Goodwill and other intangibles
  • $411Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $19,745Total liabilities
  • $18,582Total deposits
  • $18,568Interest-bearing deposits
  • $14,239Deposits held in domestic offices
  • 18568.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $14Total equity capital
  • $14Total bank equity capital
  • $1,163Perpetual preferred stock
  • $0Common stock
  • $1,721Surplus
  • $1,200Undivided profits
  • Memoranda
  • $-1,758Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $30Income earned, not collected on loans
  • $60Earning assets
  • $16,914Long-term assets (5+ years)
  • $594Average Assets, year-to-date
  • $18,836Average Assets, quarterly
  • $19,525Volatile liabilities
  • $1,709Insider loans
  • $801FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,927Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,163Total risk weighted assets
  • $8,331Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,202Total interest expense
  • $386Net interest income
  • $816Provision for loan and lease losses
  • $38Total noninterest income
  • $297Fiduciary activities
  • $0Service charges on deposit accounts
  • $231Trading account gains & fees
  • $0Additional noninterest income
  • $66Total noninterest expense
  • $950Salaries and employee benefits
  • $369Premises and equipment expense
  • $170Additional noninterest expense
  • $411Pre-tax net operating income
  • $125Securities gains (losses)
  • $0Applicable income taxes
  • $31Income before extraordinary items
  • $94Extraordinary gains - net
  • $0Net income attributable to bank
  • $94Net charge-offs
  • $47Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.28%Cost of funding earning assets
  • 2.34%Net interest margin
  • 4.94%Noninterest income to earning assets
  • 1.80%Noninterest expense to earning assets
  • 5.75%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.50%Pretax return on assets
  • 0.66%Return on equity (ROE)
  • 8.47%Retained earnings to average equity (YTD only)
  • 8.47%Net charge-offs to loans
  • 0.54%Credit loss provision to net charge-offs
  • 80.85%Efficiency ratio
  • 85,355Assets per employee
  • 1.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 303.33%Noncurrent assets plus other real estate owned to assets
  • 1.77%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 46.91%Net loans and leases to core deposits
  • 51.66%Equity capital to assets
  • 5.89%Core capital (leverage) ratio
  • 6.14%Tier 1 risk-based capital ratio
  • 13.96%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $18,836Average earning assets
  • $1,109Average equity
  • $16,510Average loans

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