text: the parent’s general unsecured creditors. If a depository institution fails to submit an acceptable capital restoration 
  plan, it shall be treated as if it is significantly undercapitalized. “Significantly undercapitalized” depository 
  institutions may be subject to a number of requirements and restrictions, including orders to sell sufficient voting 
  stock to become “adequately capitalized,” requirements to reduce total assets, and cessation of receipt of deposits 
  from correspondent banks. “Critically undercapitalized” institutions are subject to the appointment of a receiver or 
  conservator. Finally, FDICIA requires the various regulatory agencies to set forth certain standards that do not relate 
  to capital. Such standards relate to the safety and soundness of operations and management and to asset quality and 
  executive compensation, and permit regulatory action against a financial institution that does not meet such 
  standards. 
  
  If an insured bank fails to meet its capital guidelines, it may be subject to a variety of other enforcement 
  remedies, including a prohibition on the taking of brokered deposits and the termination of deposit insurance by the 
  FDIC. Bank regulators continue to indicate their desire to raise capital requirements beyond their current levels. 
  
  In addition to FDICIA capital standards, Texas-chartered banks must also comply with the capital requirements 
  imposed by the Texas Banking Department. Neither the Texas Finance Code nor its regulations specify any 
  minimum capital-to-assets ratio that must be maintained by a Texas-chartered bank. Instead, the Texas Banking 
  Department determines the appropriate ratio on a bank by bank basis, considering factors such as the nature of a 
  bank’s business, its total revenue, and the bank’s total assets. As of December 31, 2002, all of our Texas-chartered 
  banks exceeded the minimum ratios applied to them. 