FDIC Certificate #: 18849 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:SouthTrust Bank (#849) Federal Reserve ID: 884264 Date Established: July 31, 1963 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 5 (Interstate: No) FDIC's unique #: 12705 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: July 31, 1963 Last Structure Change Effective Date: April 14, 2000 Last Structure Change Process Date: June 23, 2000 Last Data Update: June 23, 2000 Data Source Date: April 05, 2012
Location
Address: 100 St. Cloud Road, San Antonio, TX 78228 County: Bexar 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 Metropolitan Statistical Area (MSA): San Antonio, TX (#7240) Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700) CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
Financial Summary
Total assets: $177.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
109Total employees (full-time equivalent)
$174,544Total assets
$10,273Cash and due from depository institutions
$0Interest-bearing balances
$29,788Securities
$17,475Federal funds sold & reverse repurchase agreements
$106,851Net loans & leases
$1,044Loan loss allowance
$0Trading account assets
$4,840Bank premises and fixed assets
$44Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$5,273All other assets
$174,544Total liabilities and capital
$160,284Total liabilities
$156,655Total deposits
$101,916Interest-bearing deposits
$156,655Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,543Other borrowed funds
$0Subordinated debt
$2,086All other liabilities
$14,260Total equity capital
$14,260Total bank equity capital
$14,260Perpetual preferred stock
$0Common stock
$1,460Surplus
$1,709Undivided profits
Memoranda
$11,091Noncurrent loans and leases
$26,151Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$563Earning assets
$202Long-term assets (5+ years)
$592Average Assets, year-to-date
$154,114Average Assets, quarterly
$29,376Volatile liabilities
$183,505Insider loans
$179,335FHLB advances
$19,392Loans and leases held for sale
$498Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$26,151Total unused commitments
$17Restructured Loans and leases
$1,044Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$13,065Total interest income
$3,720Total interest expense
$9,345Net interest income
$2,237Provision for loan and lease losses
$1,359Total noninterest income
$0Fiduciary activities
$920Service charges on deposit accounts
$0Trading account gains & fees
$439Additional noninterest income
$7,436Total noninterest expense
$4,489Salaries and employee benefits
$906Premises and equipment expense
$2,041Additional noninterest expense
$1,031Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,031Income before extraordinary items
$0Extraordinary gains - net
$1,031Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$2,064Sale, conversion, retirement of capital stock, net
$865Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.15%Yield on earning assets
2.32%Cost of funding earning assets
5.83%Net interest margin
0.85%Noninterest income to earning assets
4.64%Noninterest expense to earning assets
0.56%Net operating income to assets
0.56%Return on assets (ROA)
0.56%Pretax return on assets
7.12%Return on equity (ROE)
1.15%Retained earnings to average equity (YTD only)
1.87%Net charge-offs to loans
108.38%Credit loss provision to net charge-offs
1.58%Efficiency ratio
69,469Assets per employee
1.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.90%Loss allowance to loans
0.97%Loss allowance to noncurrent loans
185.44%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.52%Net loans and leases to deposits
68.21%Net loans and leases to core deposits
76.98%Equity capital to assets
8.17%Core capital (leverage) ratio
8.04%Tier 1 risk-based capital ratio
11.21%Total risk-based capital ratio
Memoranda
$12Average assets
$183,505Average earning assets
$14,474Average equity
$160,400Average loans
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