FDIC Certificate #: 27652 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:FirstCapital Bank, ssb (#30448) Federal Reserve ID: 208673 Date Established: January 01, 1926 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 54 FDIC's unique #: 40486 Numeric code: 35 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: August 18, 1937 Last Structure Change Effective Date: January 01, 1999 Last Structure Change Process Date: May 17, 1999 Last Data Update: May 17, 1999 Data Source Date: April 05, 2012
Location
Address: 3501 Fannin Street, Houston, TX 77004 County: Harris 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 Metropolitan Statistical Area (MSA): Houston, TX (#3360) Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42) Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420) CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
Financial Summary
Total assets: $99.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
35Total employees (full-time equivalent)
$99,598Total assets
$3,134Cash and due from depository institutions
$2,991Interest-bearing balances
$5,649Securities
$0Federal funds sold & reverse repurchase agreements
$83,336Net loans & leases
$412Loan loss allowance
$0Trading account assets
$796Bank premises and fixed assets
$668Other real estate owned
$4,511Goodwill and other intangibles
$0Life insurance assets
$1,504All other assets
$99,598Total liabilities and capital
$85,102Total liabilities
$76,069Total deposits
$76,069Interest-bearing deposits
$76,069Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$6,964Other borrowed funds
$0Subordinated debt
$2,069All other liabilities
$14,496Total equity capital
$14,496Total bank equity capital
$14,496Perpetual preferred stock
$0Common stock
$345Surplus
$6,461Undivided profits
Memoranda
$7,690Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,943Earning assets
$0Long-term assets (5+ years)
$658Average Assets, year-to-date
$91,976Average Assets, quarterly
$0Volatile liabilities
$98,051Insider loans
$98,327FHLB advances
$20,244Loans and leases held for sale
$0Unused loan commitments
$6,964Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$24,400Total unused commitments
$0Restructured Loans and leases
$74,781Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$8,444Total interest income
$3,975Total interest expense
$4,469Net interest income
$22Provision for loan and lease losses
$265Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$265Additional noninterest income
$4,404Total noninterest expense
$2,458Salaries and employee benefits
$648Premises and equipment expense
$1,298Additional noninterest expense
$308Pre-tax net operating income
$980Securities gains (losses)
$505Applicable income taxes
$783Income before extraordinary items
$0Extraordinary gains - net
$783Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.34%Yield on earning assets
4.40%Cost of funding earning assets
4.94%Net interest margin
0.29%Noninterest income to earning assets
4.87%Noninterest expense to earning assets
0.16%Net operating income to assets
0.80%Return on assets (ROA)
1.31%Pretax return on assets
5.14%Return on equity (ROE)
5.14%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
2200.00%Credit loss provision to net charge-offs
330.00%Efficiency ratio
88,720Assets per employee
2.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.49%Loss allowance to noncurrent loans
21.20%Noncurrent assets plus other real estate owned to assets
2.62%Noncurrent loans to loans
2.32%Net loans and leases to deposits
109.55%Net loans and leases to core deposits
132.72%Equity capital to assets
14.55%Core capital (leverage) ratio
12.46%Tier 1 risk-based capital ratio
16.20%Total risk-based capital ratio
Memoranda
$17Average assets
$98,051Average earning assets
$15,235Average equity
$90,443Average loans
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