FDIC Certificate #: 32004 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Broadway National Bank (#15797) Federal Reserve ID: 569972 Date Established: January 01, 1978 WWW:http://www.balconesbank.com Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 4 (Interstate: No) OTS Docket #: 7723 FDIC's unique #: 44838 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: March 03, 1980 Last Structure Change Effective Date: November 05, 2005 Last Structure Change Process Date: November 15, 2005 Last Data Update: November 15, 2005 Data Source Date: April 05, 2012
Location
Address: 301 North C M Allen Parkway, San Marcos, TX 78666 County: Hays Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640) Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126) Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420) CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
Financial Summary
Total assets: $103.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
55Total employees (full-time equivalent)
$113,574Total assets
$6,053Cash and due from depository institutions
$3,973Interest-bearing balances
$43,706Securities
$0Federal funds sold & reverse repurchase agreements
$58,224Net loans & leases
$510Loan loss allowance
$0Trading account assets
$2,780Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,811All other assets
$113,574Total liabilities and capital
$105,060Total liabilities
$61,339Total deposits
$51,761Interest-bearing deposits
$61,339Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$43,561Other borrowed funds
$0Subordinated debt
$160All other liabilities
$8,514Total equity capital
$8,514Total bank equity capital
$8,514Perpetual preferred stock
$0Common stock
$5,954Surplus
$2,587Undivided profits
Memoranda
$-27Noncurrent loans and leases
$177Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$233Earning assets
$0Long-term assets (5+ years)
$381Average Assets, year-to-date
$105,903Average Assets, quarterly
$12,629Volatile liabilities
$111,675Insider loans
$111,345FHLB advances
$38,691Loans and leases held for sale
$324Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$177Total unused commitments
$0Restructured Loans and leases
$510Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$4,955Total interest income
$1,324Total interest expense
$3,631Net interest income
-$180Provision for loan and lease losses
$919Total noninterest income
$0Fiduciary activities
$644Service charges on deposit accounts
$0Trading account gains & fees
$275Additional noninterest income
$3,737Total noninterest expense
$2,173Salaries and employee benefits
$515Premises and equipment expense
$1,049Additional noninterest expense
$993Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$993Income before extraordinary items
$0Extraordinary gains - net
$993Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$3Sale, conversion, retirement of capital stock, net
$822Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.80%Yield on earning assets
1.28%Cost of funding earning assets
3.52%Net interest margin
0.89%Noninterest income to earning assets
3.62%Noninterest expense to earning assets
0.89%Net operating income to assets
0.89%Return on assets (ROA)
0.89%Pretax return on assets
11.97%Return on equity (ROE)
2.06%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
-6000.00%Credit loss provision to net charge-offs
271.00%Efficiency ratio
82,132Assets per employee
2.06%Cash dividends to net income (YTD only)
Condition Ratios (%)
82.78%Loss allowance to loans
0.87%Loss allowance to noncurrent loans
218.88%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.40%Net loans and leases to deposits
94.92%Net loans and leases to core deposits
102.17%Equity capital to assets
7.50%Core capital (leverage) ratio
7.70%Tier 1 risk-based capital ratio
14.41%Total risk-based capital ratio
Memoranda
$15Average assets
$111,675Average earning assets
$8,294Average equity
$103,173Average loans
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