Camino Real Bank, National Association in San Antonio, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 08, 2001

  • Camino Real Bank, National Association in San Antonio, Texas (TX)
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Camino Real Bank, National Association - Overview

  • General
  • FDIC Certificate #: 25765
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sterling Bank (#21726)
    Federal Reserve ID: 1006867
    Date Established: August 27, 1984
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Interstate: No)
    OTS Docket #: 13874
    FDIC's unique #: 17638
    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: August 27, 1984
    Last Structure Change Effective Date: June 08, 2001
    Last Structure Change Process Date: July 02, 2001
    Last Data Update: July 02, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 403 South W.W. White Road, San Antonio, TX 78220
    County: Bexar
    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): San Antonio, TX (#7240)
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • Financial Summary
  • Total assets: $322.7 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
  • 116Total employees (full-time equivalent)
  • $296,784Total assets
  • $13,206Cash and due from depository institutions
  • $1,307Interest-bearing balances
  • $98,535Securities
  • $26,475Federal funds sold & reverse repurchase agreements
  • $147,718Net loans & leases
  • $1,874Loan loss allowance
  • $0Trading account assets
  • $5,901Bank premises and fixed assets
  • $669Other real estate owned
  • $1,574Goodwill and other intangibles
  • $0Life insurance assets
  • $2,706All other assets
  • $296,784Total liabilities and capital
  • $266,299Total liabilities
  • $259,654Total deposits
  • $247,175Interest-bearing deposits
  • $259,654Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $5,419Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $97Other borrowed funds
  • $0Subordinated debt
  • $1,129All other liabilities
  • $30,485Total equity capital
  • $30,485Total bank equity capital
  • $30,485Perpetual preferred stock
  • $0Common stock
  • $2,000Surplus
  • $17,391Undivided profits
  • Memoranda
  • $11,094Noncurrent loans and leases
  • $33,540Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $59Earning assets
  • $0Long-term assets (5+ years)
  • $899Average Assets, year-to-date
  • $274,035Average Assets, quarterly
  • $62,602Volatile liabilities
  • $287,297Insider loans
  • $293,865FHLB advances
  • $43,589Loans and leases held for sale
  • $10,397Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $33,540Total unused commitments
  • $0Restructured Loans and leases
  • $1,874Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $20,749Total interest income
  • $8,706Total interest expense
  • $12,042Net interest income
  • $303Provision for loan and lease losses
  • $4,104Total noninterest income
  • $0Fiduciary activities
  • $3,583Service charges on deposit accounts
  • $0Trading account gains & fees
  • $521Additional noninterest income
  • $10,464Total noninterest expense
  • $4,685Salaries and employee benefits
  • $1,781Premises and equipment expense
  • $3,998Additional noninterest expense
  • $5,379Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,869Applicable income taxes
  • $3,510Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,510Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $208Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.84%Yield on earning assets
  • 3.29%Cost of funding earning assets
  • 4.55%Net interest margin
  • 1.55%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.87%Pretax return on assets
  • 12.69%Return on equity (ROE)
  • 11.97%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 146.38%Credit loss provision to net charge-offs
  • 27.32%Efficiency ratio
  • 63,811Assets per employee
  • 2.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 5.70%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 3176.27%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 56.89%Net loans and leases to core deposits
  • 66.69%Equity capital to assets
  • 10.27%Core capital (leverage) ratio
  • 10.06%Tier 1 risk-based capital ratio
  • 15.48%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $287,297Average earning assets
  • $27,656Average equity
  • $264,627Average loans

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