FDIC Certificate #: 17350 Status: Active Federal Reserve ID: 578862 Bank Holding Company (Regulatory Top Holder): San Diego Bancshares, Inc. (RSSDID: 1832749, Location: San Diego, TX) Date Established: August 09, 1954 WWW:http://www.fsbsandiego.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 11360 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: August 09, 1954 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: 209 E Gravis St, San Diego, TX 78384 County: Duval 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $66.5 mil Equity capital: $5.2 mil Deposits held in domestic offices: $61.2 mil Return on assets (ROA): 1.42% ($0.9 mil) Quarterly return on assets: 0.89% ($0.6 mil) Return on Equity (ROE): 17.73% ($0.9 mil) Quarterly return on equity: 11.10% ($0.6 mil) Net income: $0.9 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.42% ($943.9 mil) Quarterly Pretax return on assets: 0.89% ($591.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$66,473Total assets
$19,039Cash and due from depository institutions
$17,648Interest-bearing balances
$21,043Securities
$0Federal funds sold & reverse repurchase agreements
$25,708Net loans & leases
$467Loan loss allowance
$0Trading account assets
$229Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$66,473Life insurance assets
$454All other assets
$61,290Total liabilities and capital
$61,178Total liabilities
$43,726Total deposits
$61,178Interest-bearing deposits
$78Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$112Subordinated debt
$5,183All other liabilities
$5,183Total equity capital
$5,183Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$2,800Surplus
$2,183Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$140Income earned, not collected on loans
$0Earning assets
$210Long-term assets (5+ years)
$64,399Average Assets, year-to-date
$5,707Average Assets, quarterly
$65,003Volatile liabilities
$65,125Insider loans
$32,808FHLB advances
$64,798Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,022Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,387Restructured Loans and leases
$242Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,328Total interest income
$272Total interest expense
$2,056Net interest income
$103Provision for loan and lease losses
$510Total noninterest income
$0Fiduciary activities
$335Service charges on deposit accounts
$0Trading account gains & fees
$175Additional noninterest income
$1,631Total noninterest expense
$908Salaries and employee benefits
$189Premises and equipment expense
$534Additional noninterest expense
$832Pre-tax net operating income
$88Securities gains (losses)
$0Applicable income taxes
$920Income before extraordinary items
$0Extraordinary gains - net
$920Net income attributable to bank
$0Net charge-offs
$920Cash dividends
$13Sale, conversion, retirement of capital stock, net
$786Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.72%Yield on earning assets
0.43%Cost of funding earning assets
3.28%Net interest margin
0.81%Noninterest income to earning assets
2.61%Noninterest expense to earning assets
1.28%Net operating income to assets
1.42%Return on assets (ROA)
1.42%Pretax return on assets
17.73%Return on equity (ROE)
2.58%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
792.31%Credit loss provision to net charge-offs
71.92%Efficiency ratio
63,562Assets per employee
4.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
85.43%Loss allowance to loans
1.78%Loss allowance to noncurrent loans
333.57%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.53%Net loans and leases to deposits
42.02%Net loans and leases to core deposits
44.43%Equity capital to assets
7.80%Core capital (leverage) ratio
7.75%Tier 1 risk-based capital ratio
15.31%Total risk-based capital ratio
Memoranda
$17Average assets
$65,003Average earning assets
$5,188Average equity
$62,590Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11360
First State Bank Of San Diego
209 E Gravis St, San Diego, TX 78384
August 09, 1954
Full Service Brick and Mortar
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