FDIC Certificate #: 14864 Status: Active Federal Reserve ID: 818652 Date Established: January 01, 1904 Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9304 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: November 10, 1934 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: 206 North Main Street, Cotulla, TX 78014 County: La Salle 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $91.3 mil Equity capital: $6.5 mil Deposits held in domestic offices: $84.7 mil Return on assets (ROA): 1.44% ($1.3 mil) Quarterly return on assets: 1.34% ($1.2 mil) Return on Equity (ROE): 17.20% ($1.2 mil) Quarterly return on equity: 16.63% ($1.2 mil) Net income: $1.0 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.44% ($1,314.1 mil) Quarterly Pretax return on assets: 1.34% ($1,222.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$91,259Total assets
$6,100Cash and due from depository institutions
$500Interest-bearing balances
$29,886Securities
$35,000Federal funds sold & reverse repurchase agreements
$18,060Net loans & leases
$191Loan loss allowance
$0Trading account assets
$311Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$91,259Life insurance assets
$1,902All other assets
$84,753Total liabilities and capital
$84,677Total liabilities
$48,480Total deposits
$84,677Interest-bearing deposits
$67Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$76Subordinated debt
$6,506All other liabilities
$6,506Total equity capital
$6,506Total bank equity capital
$0Perpetual preferred stock
$290Common stock
$150Surplus
$6,066Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$360Long-term assets (5+ years)
$83,446Average Assets, year-to-date
$1,652Average Assets, quarterly
$71,737Volatile liabilities
$79,887Insider loans
$59,781FHLB advances
$70,384Loans and leases held for sale
$1,307Unused loan commitments
$1,307Tier 1 (core) risk-based capital
$6,126Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,815Restructured Loans and leases
$675Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,855Total interest income
$186Total interest expense
$1,669Net interest income
$0Provision for loan and lease losses
$465Total noninterest income
$0Fiduciary activities
$337Service charges on deposit accounts
$0Trading account gains & fees
$128Additional noninterest income
$1,195Total noninterest expense
$661Salaries and employee benefits
$160Premises and equipment expense
$374Additional noninterest expense
$939Pre-tax net operating income
$96Securities gains (losses)
$0Applicable income taxes
$1,035Income before extraordinary items
$0Extraordinary gains - net
$1,035Net income attributable to bank
$0Net charge-offs
$1,035Cash dividends
$7Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.84%Yield on earning assets
0.29%Cost of funding earning assets
2.56%Net interest margin
0.71%Noninterest income to earning assets
1.83%Noninterest expense to earning assets
1.31%Net operating income to assets
1.44%Return on assets (ROA)
1.44%Pretax return on assets
17.20%Return on equity (ROE)
17.20%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
134.14%Efficiency ratio
55,998Assets per employee
5.70%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.05%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
21.33%Net loans and leases to core deposits
23.94%Equity capital to assets
7.13%Core capital (leverage) ratio
8.70%Tier 1 risk-based capital ratio
10.25%Total risk-based capital ratio
Memoranda
$11Average assets
$71,737Average earning assets
$6,018Average equity
$65,203Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9304
Stockmens National Bank In Cotulla
206 North Main Street, Cotulla, TX 78014
January 01, 1904
Full Service Brick and Mortar
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