FDIC Certificate #: 3196 Status: Inactive Closing history: Consolidated - Without Assistance Acquiring institution:Wells Fargo Bank Texas, National Association (#14533) Federal Reserve ID: 391155 Date Established: July 19, 1902 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 10631 FDIC's unique #: 2056 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: January 12, 2000 Last Structure Change Process Date: March 21, 2000 Last Data Update: March 21, 2000 Data Source Date: April 05, 2012
Location
Address: Fourth And B Streets, Floresville, TX 78114 County: Wilson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: San Francisco 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: $134.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
42Total employees (full-time equivalent)
$134,328Total assets
$4,051Cash and due from depository institutions
$36Interest-bearing balances
$48,866Securities
$10,275Federal funds sold & reverse repurchase agreements
$53,296Net loans & leases
$2,033Loan loss allowance
$0Trading account assets
$514Bank premises and fixed assets
$0Other real estate owned
$14,657Goodwill and other intangibles
$0Life insurance assets
$2,669All other assets
$134,328Total liabilities and capital
$109,278Total liabilities
$108,308Total deposits
$94,879Interest-bearing deposits
$108,308Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$970All other liabilities
$25,050Total equity capital
$25,050Total bank equity capital
$25,050Perpetual preferred stock
$0Common stock
$600Surplus
$24,223Undivided profits
Memoranda
$227Noncurrent loans and leases
$11,310Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$353Earning assets
$0Long-term assets (5+ years)
$355Average Assets, year-to-date
$112,473Average Assets, quarterly
$19,823Volatile liabilities
$123,665Insider loans
$128,486FHLB advances
$21,266Loans and leases held for sale
$291Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$11,310Total unused commitments
$0Restructured Loans and leases
$804Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$469Total interest income
$161Total interest expense
$308Net interest income
$0Provision for loan and lease losses
$79Total noninterest income
$0Fiduciary activities
$46Service charges on deposit accounts
$0Trading account gains & fees
$33Additional noninterest income
$68Total noninterest expense
$51Salaries and employee benefits
$0Premises and equipment expense
$17Additional noninterest expense
$319Pre-tax net operating income
-$6Securities gains (losses)
$103Applicable income taxes
$210Income before extraordinary items
$0Extraordinary gains - net
$210Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$2Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
0.41%Yield on earning assets
0.14%Cost of funding earning assets
0.27%Net interest margin
0.07%Noninterest income to earning assets
0.06%Noninterest expense to earning assets
0.17%Net operating income to assets
0.17%Return on assets (ROA)
0.25%Pretax return on assets
1.56%Return on equity (ROE)
1.56%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
159.50%Efficiency ratio
17,571Assets per employee
3.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.67%Loss allowance to noncurrent loans
575.92%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
0.64%Net loans and leases to deposits
49.21%Net loans and leases to core deposits
61.23%Equity capital to assets
18.65%Core capital (leverage) ratio
8.67%Tier 1 risk-based capital ratio
16.44%Total risk-based capital ratio
Memoranda
$18Average assets
$123,665Average earning assets
$13,504Average equity
$113,739Average loans
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