FDIC Certificate #: 11550 Status: Active Federal Reserve ID: 573559 Bank Holding Company (Regulatory Top Holder): Medina Bankshares, Inc. (RSSDID: 2558206, Location: Hondo, TX) Date Established: July 01, 1916 WWW:http://www.dhsbank.net Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Domestic: 2, Interstate: No) FDIC's unique #: 7380 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 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
Location
Address: 501 Main St, D Hanis, TX 78850 County: Medina 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 Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700) CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $48.6 mil Equity capital: $7.6 mil Deposits held in domestic offices: $41.0 mil Return on assets (ROA): -0.36% (-$0.2 mil) Quarterly return on assets: -0.76% (-$0.4 mil) Return on Equity (ROE): -2.34% (-$0.2 mil) Quarterly return on equity: -4.85% (-$0.4 mil) Net income: -$0.2 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.36% (-$175.1 mil) Quarterly Pretax return on assets: -0.76% (-$369.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
17Total employees (full-time equivalent)
$48,632Total assets
$11,794Cash and due from depository institutions
$9,098Interest-bearing balances
$3,600Securities
$0Federal funds sold & reverse repurchase agreements
$28,978Net loans & leases
$422Loan loss allowance
$0Trading account assets
$290Bank premises and fixed assets
$808Other real estate owned
$2,651Goodwill and other intangibles
$48,632Life insurance assets
$511All other assets
$41,017Total liabilities and capital
$40,988Total liabilities
$32,243Total deposits
$40,988Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$29Subordinated debt
$7,615All other liabilities
$7,615Total equity capital
$7,615Total bank equity capital
$0Perpetual preferred stock
$30Common stock
$7,240Surplus
$345Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$37Income earned, not collected on loans
$0Earning assets
$245Long-term assets (5+ years)
$41,676Average Assets, year-to-date
$9,149Average Assets, quarterly
$50,204Volatile liabilities
$49,213Insider loans
$26,853FHLB advances
$46,859Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,834Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,656Restructured Loans and leases
$1,349Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,424Total interest income
$405Total interest expense
$2,019Net interest income
$110Provision for loan and lease losses
$48Total noninterest income
$0Fiduciary activities
$201Service charges on deposit accounts
$0Trading account gains & fees
-$153Additional noninterest income
$2,138Total noninterest expense
$789Salaries and employee benefits
$259Premises and equipment expense
$1,090Additional noninterest expense
-$181Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$181Income before extraordinary items
$0Extraordinary gains - net
-$181Net income attributable to bank
$0Net charge-offs
-$181Cash dividends
$315Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.69%Yield on earning assets
0.95%Cost of funding earning assets
4.74%Net interest margin
0.11%Noninterest income to earning assets
5.02%Noninterest expense to earning assets
-0.36%Net operating income to assets
-0.36%Return on assets (ROA)
-0.36%Pretax return on assets
-2.34%Return on equity (ROE)
-2.34%Retained earnings to average equity (YTD only)
0.96%Net charge-offs to loans
34.92%Credit loss provision to net charge-offs
-0.23%Efficiency ratio
102,274Assets per employee
2.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
1140.54%Noncurrent assets plus other real estate owned to assets
1.74%Noncurrent loans to loans
0.13%Net loans and leases to deposits
70.70%Net loans and leases to core deposits
76.36%Equity capital to assets
15.66%Core capital (leverage) ratio
10.32%Tier 1 risk-based capital ratio
18.00%Total risk-based capital ratio
Memoranda
$19Average assets
$50,204Average earning assets
$7,726Average equity
$42,604Average loans
List of branches
2 Texas Branches as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7380
D'hanis State Bank
501 Main St, D Hanis, TX 78850
July 01, 1916
Full Service Brick and Mortar
1
225024
Hondo Branch
1401 19th Street, Hondo, TX 78861
June 18, 1990
Full Service Brick and Mortar
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