FDIC Certificate #: 58764 Status: Active Federal Reserve ID: 3821626 Date Established: January 05, 2009 WWW:http://www.themintbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 467437 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 05, 2009 Last Structure Change Effective Date: January 16, 2009 Last Structure Change Process Date: January 16, 2009 Last Data Update: January 16, 2009 Data Source Date: April 05, 2012
Location
Address: 1213 Kingwood Drive, Kingwood, TX 77339 County: Harris Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Houston, TX (#3360) Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42) Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420) CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $46.0 mil Equity capital: $7.8 mil Deposits held in domestic offices: $38.2 mil Return on assets (ROA): 0.50% ($0.2 mil) Quarterly return on assets: 0.55% ($0.3 mil) Return on Equity (ROE): 2.72% ($0.2 mil) Quarterly return on equity: 3.52% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.50% ($229.8 mil) Quarterly Pretax return on assets: 0.55% ($252.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
6Total employees (full-time equivalent)
$45,966Total assets
$11,125Cash and due from depository institutions
$10,945Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$34,037Net loans & leases
$510Loan loss allowance
$0Trading account assets
$333Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$45,966Life insurance assets
$471All other assets
$38,198Total liabilities and capital
$38,157Total liabilities
$34,685Total deposits
$38,157Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$41Subordinated debt
$7,768All other liabilities
$7,768Total equity capital
$7,768Total bank equity capital
$0Perpetual preferred stock
$4,359Common stock
$4,405Surplus
$-996Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$858Income earned, not collected on loans
$0Earning assets
$118Long-term assets (5+ years)
$44,982Average Assets, year-to-date
$21,288Average Assets, quarterly
$41,819Volatile liabilities
$49,260Insider loans
$29,800FHLB advances
$51,839Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,768Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,798Restructured Loans and leases
$977Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,961Total interest income
$386Total interest expense
$1,575Net interest income
$130Provision for loan and lease losses
$11Total noninterest income
$0Fiduciary activities
$9Service charges on deposit accounts
$0Trading account gains & fees
$2Additional noninterest income
$1,248Total noninterest expense
$571Salaries and employee benefits
$128Premises and equipment expense
$549Additional noninterest expense
$208Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$208Income before extraordinary items
$0Extraordinary gains - net
$208Net income attributable to bank
$0Net charge-offs
$208Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.83%Yield on earning assets
0.95%Cost of funding earning assets
3.88%Net interest margin
0.03%Noninterest income to earning assets
3.07%Noninterest expense to earning assets
0.50%Net operating income to assets
0.50%Return on assets (ROA)
0.50%Pretax return on assets
2.72%Return on equity (ROE)
2.72%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
78,689Assets per employee
7.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
59.44%Noncurrent assets plus other real estate owned to assets
1.87%Noncurrent loans to loans
2.48%Net loans and leases to deposits
89.20%Net loans and leases to core deposits
94.36%Equity capital to assets
16.90%Core capital (leverage) ratio
14.98%Tier 1 risk-based capital ratio
26.07%Total risk-based capital ratio
Memoranda
$27Average assets
$41,819Average earning assets
$7,643Average equity
$40,633Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
467437
The Mint National Bank
1213 Kingwood Drive, Kingwood, TX 77339
January 05, 2009
Full Service Brick and Mortar
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