Alamo Bank of Texas in Alamo, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 23, 2006

  • Alamo Bank of Texas in Alamo, Texas (TX)
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Alamo Bank of Texas - Overview

  • General
  • FDIC Certificate #: 10361
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Frost National Bank (#5510)
    Federal Reserve ID: 334750
    Date Established: July 01, 1919
    WWW: http://www.alamobank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Interstate: No)
    OTS Docket #: 12046
    FDIC's unique #: 6637
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 23, 2006
    Last Structure Change Process Date: July 13, 2006
    Last Data Update: July 13, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 809 Main Street, Alamo, TX 78516
    County: Hidalgo
    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): McAllen-Edinburg-Mission, TX (#4880)
    Core Based Statistical Area (CBSA): McAllen-Edinburg-Mission, TX (#32580)
    CBSA Metro Statistical Area: McAllen-Edinburg-Mission, TX (#32580)
  • Financial Summary
  • Total assets: $400.6 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, 2005)

  • Dollar figures in thousands
  • 148Total employees (full-time equivalent)
  • $312,004Total assets
  • $8,472Cash and due from depository institutions
  • $385Interest-bearing balances
  • $61,316Securities
  • $1,200Federal funds sold & reverse repurchase agreements
  • $223,529Net loans & leases
  • $1,642Loan loss allowance
  • $0Trading account assets
  • $10,024Bank premises and fixed assets
  • $426Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $7,037All other assets
  • $312,004Total liabilities and capital
  • $283,455Total liabilities
  • $276,156Total deposits
  • $207,913Interest-bearing deposits
  • $276,156Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,019Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,225Other borrowed funds
  • $0Subordinated debt
  • $2,055All other liabilities
  • $28,549Total equity capital
  • $28,549Total bank equity capital
  • $28,549Perpetual preferred stock
  • $0Common stock
  • $2,500Surplus
  • $11,500Undivided profits
  • Memoranda
  • $14,549Noncurrent loans and leases
  • $21,042Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,982Earning assets
  • $45Long-term assets (5+ years)
  • $2,399Average Assets, year-to-date
  • $286,430Average Assets, quarterly
  • $28,737Volatile liabilities
  • $305,247Insider loans
  • $310,189FHLB advances
  • $55,295Loans and leases held for sale
  • $12,690Unused loan commitments
  • $2,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $21,042Total unused commitments
  • $0Restructured Loans and leases
  • $1,642Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $20,412Total interest income
  • $5,888Total interest expense
  • $14,524Net interest income
  • $750Provision for loan and lease losses
  • $3,073Total noninterest income
  • $0Fiduciary activities
  • $2,027Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,046Additional noninterest income
  • $11,615Total noninterest expense
  • $6,600Salaries and employee benefits
  • $1,664Premises and equipment expense
  • $3,351Additional noninterest expense
  • $5,232Pre-tax net operating income
  • -$23Securities gains (losses)
  • $1,451Applicable income taxes
  • $3,758Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,758Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $579Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.28%Yield on earning assets
  • 2.10%Cost of funding earning assets
  • 5.18%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 4.14%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 13.91%Return on equity (ROE)
  • 13.91%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 129.53%Credit loss provision to net charge-offs
  • 10.33%Efficiency ratio
  • 66,006Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.73%Loss allowance to noncurrent loans
  • 82.85%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 80.94%Net loans and leases to core deposits
  • 99.30%Equity capital to assets
  • 9.15%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 12.32%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $305,247Average earning assets
  • $27,019Average equity
  • $280,291Average loans

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