FDIC Certificate #: 35148 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Lone Star Capital Bank, National Association (#35015) Federal Reserve ID: 2797014 Date Established: April 02, 1999 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 75141 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: April 02, 1999 Last Structure Change Effective Date: June 01, 2003 Last Structure Change Process Date: August 12, 2003 Last Data Update: August 12, 2003 Data Source Date: April 05, 2012
Location
Address: 150 North Loop 1604 East, San Antonio, TX 78232 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: $48.4 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2002)
Dollar figures in thousands
20Total employees (full-time equivalent)
$40,945Total assets
$4,527Cash and due from depository institutions
$1,287Interest-bearing balances
$7,868Securities
$2,295Federal funds sold & reverse repurchase agreements
$23,303Net loans & leases
$715Loan loss allowance
$0Trading account assets
$2,090Bank premises and fixed assets
$326Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$536All other assets
$40,945Total liabilities and capital
$38,005Total liabilities
$37,766Total deposits
$27,995Interest-bearing deposits
$37,766Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$239All other liabilities
$2,940Total equity capital
$2,940Total bank equity capital
$2,940Perpetual preferred stock
$0Common stock
$5,572Surplus
$1,393Undivided profits
Memoranda
$-4,025Noncurrent loans and leases
$2,903Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$215Earning assets
$0Long-term assets (5+ years)
$183Average Assets, year-to-date
$34,753Average Assets, quarterly
$2,036Volatile liabilities
$44,790Insider loans
$43,364FHLB advances
$10,242Loans and leases held for sale
$282Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,903Total unused commitments
$0Restructured Loans and leases
$357Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$2,628Total interest income
$1,143Total interest expense
$1,485Net interest income
$576Provision for loan and lease losses
$283Total noninterest income
$0Fiduciary activities
$335Service charges on deposit accounts
$0Trading account gains & fees
-$52Additional noninterest income
$2,448Total noninterest expense
$1,088Salaries and employee benefits
$388Premises and equipment expense
$972Additional noninterest expense
-$1,256Pre-tax net operating income
$25Securities gains (losses)
$0Applicable income taxes
-$1,231Income before extraordinary items
$0Extraordinary gains - net
-$1,231Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$706Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.80%Yield on earning assets
2.96%Cost of funding earning assets
3.84%Net interest margin
0.73%Noninterest income to earning assets
6.33%Noninterest expense to earning assets
-2.80%Net operating income to assets
-2.75%Return on assets (ROA)
-2.75%Pretax return on assets
-35.67%Return on equity (ROE)
-35.67%Retained earnings to average equity (YTD only)
2.56%Net charge-offs to loans
81.59%Credit loss provision to net charge-offs
-0.96%Efficiency ratio
138,462Assets per employee
2.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.98%Loss allowance to noncurrent loans
332.56%Noncurrent assets plus other real estate owned to assets
1.32%Noncurrent loans to loans
0.90%Net loans and leases to deposits
61.70%Net loans and leases to core deposits
84.66%Equity capital to assets
7.18%Core capital (leverage) ratio
6.31%Tier 1 risk-based capital ratio
9.40%Total risk-based capital ratio
Memoranda
$11Average assets
$44,790Average earning assets
$3,451Average equity
$38,650Average loans
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