First Bank of Conroe, National Association in city_name, state_name

First Bank of Conroe, National Association in Conroe, Texas (TX)
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First Bank of Conroe, National Association routing number info

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First Bank of Conroe, National Association - Overview

General
FDIC Certificate #: 26229
Status: Active
Federal Reserve ID: 685658
Date Established: May 08, 1985
WWW: http://www.fboc.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: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 10246
FDIC's unique #: 32566
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: Commercial Lending Specialization
Date of Deposit Insurance: May 08, 1985
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: 1800 West White Oak Boulevard, Conroe, TX 77304
County: Montgomery
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
Metropolitan Statistical Area (MSA): Houston, TX (#3360)
Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $285.9 mil
Equity capital: $26.4 mil
Deposits held in domestic offices: $258.3 mil
Return on assets (ROA): 1.64% ($4.7 mil)
Quarterly return on assets: 1.55% ($4.4 mil)
Return on Equity (ROE): 18.08% ($4.7 mil)
Quarterly return on equity: 16.85% ($4.4 mil)
Net income: $4.5 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.64% ($4,688.8 mil)
Quarterly Pretax return on assets: 1.55% ($4,431.4 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
101Total employees (full-time equivalent)
$285,900Total assets
$7,094Cash and due from depository institutions
$2,267Interest-bearing balances
$36,116Securities
$20,150Federal funds sold & reverse repurchase agreements
$210,764Net loans & leases
$2,590Loan loss allowance
$0Trading account assets
$7,967Bank premises and fixed assets
$1,129Other real estate owned
$0Goodwill and other intangibles
$285,900Life insurance assets
$2,680All other assets
$259,477Total liabilities and capital
$258,289Total liabilities
$168,532Total deposits
$258,289Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,188Subordinated debt
$26,423All other liabilities
$26,423Total equity capital
$26,423Total bank equity capital
$0Perpetual preferred stock
$4,366Common stock
$204Surplus
$21,853Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,110Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,204Income earned, not collected on loans
$0Earning assets
$877Long-term assets (5+ years)
$269,297Average Assets, year-to-date
$20,054Average Assets, quarterly
$277,047Volatile liabilities
$285,216Insider loans
$208,423FHLB advances
$284,729Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$25,925Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$35,575Restructured Loans and leases
$1,869Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$14,919Total interest income
$1,224Total interest expense
$13,695Net interest income
$987Provision for loan and lease losses
$3,112Total noninterest income
$0Fiduciary activities
$2,122Service charges on deposit accounts
$0Trading account gains & fees
$990Additional noninterest income
$11,277Total noninterest expense
$7,214Salaries and employee benefits
$1,886Premises and equipment expense
$2,177Additional noninterest expense
$4,543Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$4,543Income before extraordinary items
$0Extraordinary gains - net
$4,543Net income attributable to bank
$0Net charge-offs
$4,543Cash dividends
$837Sale, conversion, retirement of capital stock, net
$2,528Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.71%Yield on earning assets
0.47%Cost of funding earning assets
5.25%Net interest margin
1.19%Noninterest income to earning assets
4.32%Noninterest expense to earning assets
1.64%Net operating income to assets
1.64%Return on assets (ROA)
1.64%Pretax return on assets
18.08%Return on equity (ROE)
8.02%Retained earnings to average equity (YTD only)
0.40%Net charge-offs to loans
117.92%Credit loss provision to net charge-offs
6.61%Efficiency ratio
67,097Assets per employee
2.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.65%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
215.12%Noncurrent assets plus other real estate owned to assets
0.82%Noncurrent loans to loans
0.56%Net loans and leases to deposits
81.60%Net loans and leases to core deposits
90.12%Equity capital to assets
9.24%Core capital (leverage) ratio
9.11%Tier 1 risk-based capital ratio
12.44%Total risk-based capital ratio
Memoranda
$14Average assets
$277,047Average earning assets
$25,134Average equity
$261,061Average loans

List of branches

6 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	32566	First Bank Of Conroe, National Association	1800 West White Oak Boulevard, Conroe, TX 77304	May 08, 1985	Full Service Brick and Mortar
1	258558	Montgomery Branch	14125 Liberty Street, Montgomery, TX 77316	January 03, 1994	Full Service Brick and Mortar
2	258559	Loop Branch	2201 Westview Boulevard, Conroe, TX 77304	January 06, 1997	Full Service Brick and Mortar
3	258560	Fm 1488 Branch	6311-A Fm 1488, Magnolia, TX 77354	January 31, 2000	Full Service Brick and Mortar
4	364304	Cut And Shoot Branch	11399 Highway 105 East, Conroe, TX 77303	June 03, 2002	Full Service Brick and Mortar
6	453475	Willis Branch	10521 Fm 1097 West, Willis, TX 77318	January 18, 2006	Full Service Brick and Mortar

First Bank of Conroe, National Association in Conroe, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank of Conroe, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank of Conroe, National Association in Conroe, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank of Conroe, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank of Conroe, National Association in Conroe, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches