Frio National Bank in Pearsall, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 24, 1993

Frio National Bank in Pearsall, Texas (TX)
Show street view No street view available for this location

Frio National Bank - Overview

General
FDIC Certificate #: 26232
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Camino Real Bank, National Association (#22615)
Federal Reserve ID: 841968
Date Established: May 15, 1985
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 #: 32569
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: May 15, 1985
Last Structure Change Effective Date: September 24, 1993
Last Structure Change Process Date: October 19, 1993
Last Data Update: October 19, 1993
Data Source Date: April 05, 2012
Location
Address: 215 South Ash Street, Pearsall, TX 78061
County: Frio
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
Financial Summary
Total assets: $12.1 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$10Total assets
$11,442Cash and due from depository institutions
$734Interest-bearing balances
$0Securities
$4,214Federal funds sold & reverse repurchase agreements
$1,000Net loans & leases
$4,901Loan loss allowance
$114Trading account assets
$0Bank premises and fixed assets
$430Other real estate owned
$32Goodwill and other intangibles
$131Life insurance assets
$0All other assets
$0Total liabilities and capital
$11,442Total liabilities
$10,481Total deposits
$10,369Interest-bearing deposits
$8,371Deposits held in domestic offices
10369.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$61Subordinated debt
$0All other liabilities
$51Total equity capital
$51Total bank equity capital
$961Perpetual preferred stock
$0Common stock
$750Surplus
$1,900Undivided profits
Memoranda
$-1,689Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$113Income earned, not collected on loans
$61Earning assets
$10,115Long-term assets (5+ years)
$852Average Assets, year-to-date
$11,587Average Assets, quarterly
$11,186Volatile liabilities
$1,568Insider loans
$64FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$794Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$961Total risk weighted assets
$6,047Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$907Total interest expense
$328Net interest income
$579Provision for loan and lease losses
$15Total noninterest income
$192Fiduciary activities
$0Service charges on deposit accounts
$156Trading account gains & fees
$0Additional noninterest income
$36Total noninterest expense
$658Salaries and employee benefits
$251Premises and equipment expense
$78Additional noninterest expense
$329Pre-tax net operating income
$98Securities gains (losses)
$34Applicable income taxes
$48Income before extraordinary items
$84Extraordinary gains - net
$48Net income attributable to bank
$132Net charge-offs
-$10Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.76%Cost of funding earning assets
3.17%Net interest margin
5.59%Noninterest income to earning assets
1.85%Noninterest expense to earning assets
6.35%Net operating income to assets
0.54%Return on assets (ROA)
1.14%Pretax return on assets
1.55%Return on equity (ROE)
14.69%Retained earnings to average equity (YTD only)
14.69%Net charge-offs to loans
-0.20%Credit loss provision to net charge-offs
-150.00%Efficiency ratio
85,344Assets per employee
1.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.27%Loss allowance to noncurrent loans
100.88%Noncurrent assets plus other real estate owned to assets
1.27%Noncurrent loans to loans
2.25%Net loans and leases to deposits
47.27%Net loans and leases to core deposits
55.30%Equity capital to assets
8.40%Core capital (leverage) ratio
8.34%Tier 1 risk-based capital ratio
15.89%Total risk-based capital ratio
Memoranda
$17Average assets
$11,587Average earning assets
$899Average equity
$10,356Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Frio National Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.