The La Coste National Bank in La Coste, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 19, 2010

  • The La Coste National Bank in La Coste, Texas (TX)
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The La Coste National Bank - Overview

  • General
  • FDIC Certificate #: 3287
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Community National Bank (#23431)
    Federal Reserve ID: 749550
    Date Established: May 07, 1912
    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 #: 2126
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 19, 2010
    Last Structure Change Process Date: Febuary 22, 2010
    Last Data Update: Febuary 22, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 15996 S Front St, La Coste, TX 78039
    County: Medina
    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
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Absorption - Assisted
  • Financial Summary
  • Total assets: $53.9 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, 2009)

  • Dollar figures in thousands
  • 10Total employees (full-time equivalent)
  • $53,936Total assets
  • $2,032Cash and due from depository institutions
  • $0Interest-bearing balances
  • $23,791Securities
  • $4,000Federal funds sold & reverse repurchase agreements
  • $22,549Net loans & leases
  • $190Loan loss allowance
  • $0Trading account assets
  • $791Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $773All other assets
  • $53,936Total liabilities and capital
  • $49,707Total liabilities
  • $49,275Total deposits
  • $42,096Interest-bearing deposits
  • $49,275Deposits held in domestic offices
  • 97.87%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $432All other liabilities
  • $4,229Total equity capital
  • $4,229Total bank equity capital
  • $4,229Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $500Undivided profits
  • Memoranda
  • $3,329Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $68Earning assets
  • $0Long-term assets (5+ years)
  • $406Average Assets, year-to-date
  • $50,340Average Assets, quarterly
  • $27,827Volatile liabilities
  • $46,411Insider loans
  • $53,224FHLB advances
  • $21,716Loans and leases held for sale
  • $741Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22Restructured Loans and leases
  • $190Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $2,310Total interest income
  • $1,069Total interest expense
  • $1,241Net interest income
  • $48Provision for loan and lease losses
  • $253Total noninterest income
  • $0Fiduciary activities
  • $230Service charges on deposit accounts
  • $0Trading account gains & fees
  • $23Additional noninterest income
  • $1,214Total noninterest expense
  • $516Salaries and employee benefits
  • $147Premises and equipment expense
  • $551Additional noninterest expense
  • $232Pre-tax net operating income
  • $21Securities gains (losses)
  • $44Applicable income taxes
  • $209Income before extraordinary items
  • $0Extraordinary gains - net
  • $209Net income attributable to bank
  • $0Net charge-offs
  • $209Cash dividends
  • $30Sale, conversion, retirement of capital stock, net
  • $160Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 2.52%Cost of funding earning assets
  • 2.93%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 4.94%Return on equity (ROE)
  • 1.16%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 160.00%Credit loss provision to net charge-offs
  • 9.33%Efficiency ratio
  • 81,258Assets per employee
  • 5.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.56%Loss allowance to loans
  • 0.84%Loss allowance to noncurrent loans
  • 279.41%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 45.76%Net loans and leases to core deposits
  • 81.82%Equity capital to assets
  • 7.84%Core capital (leverage) ratio
  • 7.77%Tier 1 risk-based capital ratio
  • 19.89%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $46,411Average earning assets
  • $4,232Average equity
  • $42,349Average loans

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