West Texas National Bank in Alpine, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 19, 2001

  • West Texas National Bank in Alpine, Texas (TX)
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West Texas National Bank - Overview

  • General
  • FDIC Certificate #: 16896
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: West Texas National Bank (#22957)
    Federal Reserve ID: 345457
    Date Established: January 01, 1904
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    OTS Docket #: 11126
    FDIC's unique #: 10983
    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: March 21, 1950
    Last Structure Change Effective Date: January 19, 2001
    Last Structure Change Process Date: March 29, 2001
    Last Data Update: March 29, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 East Avenue, Alpine, TX 79830
    County: Brewster
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Albuquerque
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $244.5 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, 2000)

  • Dollar figures in thousands
  • 107Total employees (full-time equivalent)
  • $244,502Total assets
  • $23,438Cash and due from depository institutions
  • $9,739Interest-bearing balances
  • $98,861Securities
  • $1,350Federal funds sold & reverse repurchase agreements
  • $103,695Net loans & leases
  • $1,923Loan loss allowance
  • $0Trading account assets
  • $5,172Bank premises and fixed assets
  • $0Other real estate owned
  • $5,663Goodwill and other intangibles
  • $0Life insurance assets
  • $6,323All other assets
  • $244,502Total liabilities and capital
  • $222,320Total liabilities
  • $215,291Total deposits
  • $169,306Interest-bearing deposits
  • $215,291Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,900Other borrowed funds
  • $0Subordinated debt
  • $1,129All other liabilities
  • $22,182Total equity capital
  • $22,182Total bank equity capital
  • $22,182Perpetual preferred stock
  • $0Common stock
  • $7,500Surplus
  • $8,195Undivided profits
  • Memoranda
  • $6,487Noncurrent loans and leases
  • $12,341Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,052Earning assets
  • $0Long-term assets (5+ years)
  • $2,298Average Assets, year-to-date
  • $213,645Average Assets, quarterly
  • $72,212Volatile liabilities
  • $233,668Insider loans
  • $236,744FHLB advances
  • $34,967Loans and leases held for sale
  • $6,494Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,293Total risk weighted assets
  • $12,341Total unused commitments
  • $0Restructured Loans and leases
  • $1,646Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $16,457Total interest income
  • $6,783Total interest expense
  • $9,674Net interest income
  • $308Provision for loan and lease losses
  • $1,849Total noninterest income
  • $0Fiduciary activities
  • $1,317Service charges on deposit accounts
  • $0Trading account gains & fees
  • $532Additional noninterest income
  • $7,765Total noninterest expense
  • $3,444Salaries and employee benefits
  • $1,158Premises and equipment expense
  • $3,163Additional noninterest expense
  • $3,450Pre-tax net operating income
  • $0Securities gains (losses)
  • $95Applicable income taxes
  • $3,355Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,355Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $392Sale, conversion, retirement of capital stock, net
  • $3,246Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.06%Yield on earning assets
  • 3.32%Cost of funding earning assets
  • 4.74%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 16.56%Return on equity (ROE)
  • 0.54%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 78.57%Credit loss provision to net charge-offs
  • 9.59%Efficiency ratio
  • 65,252Assets per employee
  • 2.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.75%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 182.79%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 48.17%Net loans and leases to core deposits
  • 55.68%Equity capital to assets
  • 9.07%Core capital (leverage) ratio
  • 7.27%Tier 1 risk-based capital ratio
  • 12.97%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $233,668Average earning assets
  • $20,260Average equity
  • $204,298Average loans

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