FDIC Certificate #: 18454 Status: Active Federal Reserve ID: 218261 Bank Holding Company (Regulatory Top Holder): Zapata Bancshares, Inc. (RSSDID: 1107223, Location: Zapata, TX) Date Established: November 16, 1961 WWW:http://www.zapatanationalbank.com 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 #: 12353 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 16, 1961 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: 703 Hidalgo Blvd, Zapata, TX 78076 County: Zapata 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $104.0 mil Equity capital: $10.4 mil Deposits held in domestic offices: $93.6 mil Return on assets (ROA): 1.78% ($1.9 mil) Quarterly return on assets: 1.66% ($1.7 mil) Return on Equity (ROE): 17.53% ($1.8 mil) Quarterly return on equity: 15.55% ($1.6 mil) Net income: $1.8 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.78% ($1,851.2 mil) Quarterly Pretax return on assets: 1.66% ($1,726.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$103,999Total assets
$30,635Cash and due from depository institutions
$22,887Interest-bearing balances
$34,527Securities
$0Federal funds sold & reverse repurchase agreements
$36,676Net loans & leases
$384Loan loss allowance
$0Trading account assets
$1,390Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$103,999Life insurance assets
$771All other assets
$93,637Total liabilities and capital
$93,557Total liabilities
$75,398Total deposits
$93,557Interest-bearing deposits
$71Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$80Subordinated debt
$10,362All other liabilities
$10,362Total equity capital
$10,362Total bank equity capital
$0Perpetual preferred stock
$145Common stock
$897Surplus
$9,320Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$19Income earned, not collected on loans
$0Earning assets
$389Long-term assets (5+ years)
$94,090Average Assets, year-to-date
$18,948Average Assets, quarterly
$103,122Volatile liabilities
$98,885Insider loans
$38,453FHLB advances
$102,954Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,134Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$568Restructured Loans and leases
$505Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,625Total interest income
$386Total interest expense
$3,239Net interest income
$15Provision for loan and lease losses
$593Total noninterest income
$0Fiduciary activities
$462Service charges on deposit accounts
$0Trading account gains & fees
$131Additional noninterest income
$1,981Total noninterest expense
$989Salaries and employee benefits
$225Premises and equipment expense
$767Additional noninterest expense
$1,836Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,836Income before extraordinary items
$0Extraordinary gains - net
$1,836Net income attributable to bank
$0Net charge-offs
$1,836Cash dividends
$4Sale, conversion, retirement of capital stock, net
$1,400Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.94%Yield on earning assets
0.42%Cost of funding earning assets
3.52%Net interest margin
0.64%Noninterest income to earning assets
2.15%Noninterest expense to earning assets
1.78%Net operating income to assets
1.78%Return on assets (ROA)
1.78%Pretax return on assets
17.53%Return on equity (ROE)
4.16%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
375.00%Credit loss provision to net charge-offs
462.75%Efficiency ratio
51,696Assets per employee
4.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
76.25%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
2021.05%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.05%Net loans and leases to deposits
39.20%Net loans and leases to core deposits
53.70%Equity capital to assets
9.96%Core capital (leverage) ratio
9.84%Tier 1 risk-based capital ratio
26.35%Total risk-based capital ratio
Memoranda
$27Average assets
$103,122Average earning assets
$10,475Average equity
$92,046Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12353
Zapata National Bank
703 Hidalgo Blvd, Zapata, TX 78076
November 16, 1961
Full Service Brick and Mortar
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