Zapata National Bank in Zapata, Texas (TX)

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Zapata National Bank
GeneralFDIC 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
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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)21
Total assets$103,999
Cash and due from depository institutions$30,635
Interest-bearing balances$22,887
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$36,676
Loan loss allowance $384
Trading account assets$0
Bank premises and fixed assets$1,390
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$771
Life insurance assets$103,999
Total liabilities and capital$93,637
Total liabilities$93,557
Total deposits$75,398
Interest-bearing deposits$93,557
Deposits held in domestic offices$71
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $80
All other liabilities $10,362
Total equity capital$10,362
Total bank equity capital$10,362
Perpetual preferred stock$0
Common stock$145
Undivided profits $9,320
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $19
Earning assets $0
Long-term assets (5+ years) $389
Average Assets, year-to-date $94,090
Average Assets, quarterly $18,948
Volatile liabilities $103,122
Insider loans $98,885
FHLB advances $38,453
Loans and leases held for sale $102,954
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,134
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $568
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,625
Total interest expense $386
Net interest income $3,239
Provision for loan and lease losses $15
Total noninterest income $593
Fiduciary activities $0
Service charges on deposit accounts $462
Trading account gains & fees $0
Additional noninterest income $131
Total noninterest expense $1,981
Salaries and employee benefits $989
Premises and equipment expense $225
Additional noninterest expense $767
Pre-tax net operating income $1,836
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,836
Extraordinary gains - net $0
Net income attributable to bank $1,836
Net charge-offs $0
Cash dividends $1,836
Sale, conversion, retirement of capital stock, net $4
Net operating income $1,400
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.94%
Cost of funding earning assets 0.42%
Net interest margin 3.52%
Noninterest income to earning assets 0.64%
Noninterest expense to earning assets 2.15%
Net operating income to assets 1.78%
Return on assets (ROA) 1.78%
Pretax return on assets 1.78%
Return on equity (ROE) 17.53%
Retained earnings to average equity (YTD only) 4.16%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 375.00%
Efficiency ratio462.75%
Assets per employee$51,696
Cash dividends to net income (YTD only)4.95%
Condition Ratios (%)
Loss allowance to loans 76.25%
Loss allowance to noncurrent loans 1.04%
Noncurrent assets plus other real estate owned to assets 2021.05%
Noncurrent loans to loans 0.02%
Net loans and leases to deposits0.05%
Net loans and leases to core deposits 39.20%
Equity capital to assets 53.70%
Core capital (leverage) ratio 9.96%
Tier 1 risk-based capital ratio 9.84%
Total risk-based capital ratio 26.35%
Average assets$27
Average earning assets$103,122
Average equity $10,475
Average loans $92,046
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
012353Zapata National Bank703 Hidalgo Blvd, Zapata, TX 78076November 16, 1961Full Service Brick and Mortar
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