FDIC Certificate #: 3180 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:International Bank of Commerce (#19629) Federal Reserve ID: 586353 Date Established: January 01, 1890 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 14 (Interstate: No) FDIC's unique #: 2043 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: January 01, 1934 Last Structure Change Effective Date: December 28, 2001 Last Structure Change Process Date: Febuary 06, 2002 Last Data Update: Febuary 06, 2002 Data Source Date: April 05, 2012
Location
Address: 439 Main Street, Eagle Pass, TX 78852 County: Maverick 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): Eagle Pass, TX (#20580) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $600.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
136Total employees (full-time equivalent)
$356,876Total assets
$16,946Cash and due from depository institutions
$2,380Interest-bearing balances
$154,432Securities
$14,100Federal funds sold & reverse repurchase agreements
$150,365Net loans & leases
$2,171Loan loss allowance
$0Trading account assets
$12,858Bank premises and fixed assets
$0Other real estate owned
$4,238Goodwill and other intangibles
$0Life insurance assets
$3,937All other assets
$356,876Total liabilities and capital
$324,755Total liabilities
$321,054Total deposits
$274,024Interest-bearing deposits
$321,054Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$3,701All other liabilities
$32,121Total equity capital
$32,121Total bank equity capital
$32,121Perpetual preferred stock
$0Common stock
$500Surplus
$8,366Undivided profits
Memoranda
$23,255Noncurrent loans and leases
$13,279Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$856Earning assets
$0Long-term assets (5+ years)
$964Average Assets, year-to-date
$321,277Average Assets, quarterly
$73,251Volatile liabilities
$343,009Insider loans
$352,159FHLB advances
$60,323Loans and leases held for sale
$4,298Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$13,279Total unused commitments
$0Restructured Loans and leases
$2,171Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$23,639Total interest income
$11,359Total interest expense
$12,280Net interest income
$454Provision for loan and lease losses
$2,634Total noninterest income
$0Fiduciary activities
$2,049Service charges on deposit accounts
$0Trading account gains & fees
$585Additional noninterest income
$9,456Total noninterest expense
$4,892Salaries and employee benefits
$1,406Premises and equipment expense
$3,158Additional noninterest expense
$5,004Pre-tax net operating income
$0Securities gains (losses)
$1,723Applicable income taxes
$3,281Income before extraordinary items
$0Extraordinary gains - net
$3,281Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$5Sale, conversion, retirement of capital stock, net
$400Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.65%Yield on earning assets
3.68%Cost of funding earning assets
3.98%Net interest margin
0.85%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
0.96%Net operating income to assets
0.96%Return on assets (ROA)
1.46%Pretax return on assets
11.73%Return on equity (ROE)
10.30%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
-9080.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,062Assets per employee
2.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
12.19%Loss allowance to loans
1.42%Loss allowance to noncurrent loans
253.62%Noncurrent assets plus other real estate owned to assets
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