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


Zapata National Bank - Overview

  • General
  • FDIC Certificate #: 18454
    Status: Active
    Federal Reserve ID: 218261
    Bank Holding Company (Regulatory Top Holder): Zapata Bancshares, Inc. (RSSDID: 1107223, Location: Zapata, TX)
    Date Established: November 16, 1961
    WWW: http://www.zapatanationalbank.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 #: 12353
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: November 16, 1961
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 703 Hidalgo Blvd, Zapata, TX 78076
    County: Zapata
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $104.0 mil
    Equity capital: $10.4 mil
    Deposits held in domestic offices: $93.6 mil
    Return on assets (ROA): 1.78% ($1.9 mil)
    Quarterly return on assets: 1.66% ($1.7 mil)
    Return on Equity (ROE): 17.53% ($1.8 mil)
    Quarterly return on equity: 15.55% ($1.6 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.78% ($1,851.2 mil)
    Quarterly Pretax return on assets: 1.66% ($1,726.4 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, 2011)

  • Dollar figures in thousands
  • 21Total employees (full-time equivalent)
  • $103,999Total assets
  • $30,635Cash and due from depository institutions
  • $22,887Interest-bearing balances
  • $34,527Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $36,676Net loans & leases
  • $384Loan loss allowance
  • $0Trading account assets
  • $1,390Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $103,999Life insurance assets
  • $771All other assets
  • $93,637Total liabilities and capital
  • $93,557Total liabilities
  • $75,398Total deposits
  • $93,557Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $80Subordinated debt
  • $10,362All other liabilities
  • $10,362Total equity capital
  • $10,362Total bank equity capital
  • $0Perpetual preferred stock
  • $145Common stock
  • $897Surplus
  • $9,320Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19Income earned, not collected on loans
  • $0Earning assets
  • $389Long-term assets (5+ years)
  • $94,090Average Assets, year-to-date
  • $18,948Average Assets, quarterly
  • $103,122Volatile liabilities
  • $98,885Insider loans
  • $38,453FHLB advances
  • $102,954Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,134Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $568Restructured Loans and leases
  • $505Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,625Total interest income
  • $386Total interest expense
  • $3,239Net interest income
  • $15Provision for loan and lease losses
  • $593Total noninterest income
  • $0Fiduciary activities
  • $462Service charges on deposit accounts
  • $0Trading account gains & fees
  • $131Additional noninterest income
  • $1,981Total noninterest expense
  • $989Salaries and employee benefits
  • $225Premises and equipment expense
  • $767Additional noninterest expense
  • $1,836Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,836Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,836Net income attributable to bank
  • $0Net charge-offs
  • $1,836Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $1,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.94%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.15%Noninterest expense to earning assets
  • 1.78%Net operating income to assets
  • 1.78%Return on assets (ROA)
  • 1.78%Pretax return on assets
  • 17.53%Return on equity (ROE)
  • 4.16%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 375.00%Credit loss provision to net charge-offs
  • 462.75%Efficiency ratio
  • 51,696Assets per employee
  • 4.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.25%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 2021.05%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 39.20%Net loans and leases to core deposits
  • 53.70%Equity capital to assets
  • 9.96%Core capital (leverage) ratio
  • 9.84%Tier 1 risk-based capital ratio
  • 26.35%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $103,122Average earning assets
  • $10,475Average equity
  • $92,046Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012353Zapata National Bank703 Hidalgo Blvd, Zapata, TX 78076November 16, 1961Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Zapata National Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents