First Commercial Bank, National Association in city_name, state_name

First Commercial Bank, National Association in Seguin, Texas (TX)
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First Commercial Bank, National Association routing number info

First Commercial Bank, National Association - Overview

General
FDIC Certificate #: 24603
Status: Active
Federal Reserve ID: 400365
Bank Holding Company (Regulatory Top Holder): First Commercial Financial Corp (RSSDID: 2299992, Location: Seguin, TX)
Date Established: July 01, 1983
WWW: http://www.1cb.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: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 17087
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: July 01, 1983
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: 1336 East Court Street, Seguin, TX 78155
County: Guadalupe
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
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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $109.8 mil
Equity capital: $10.6 mil
Deposits held in domestic offices: $98.8 mil
Return on assets (ROA): 0.92% ($1.0 mil)
Quarterly return on assets: 0.97% ($1.1 mil)
Return on Equity (ROE): 10.08% ($1.1 mil)
Quarterly return on equity: 10.48% ($1.2 mil)
Net income: $1.0 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.92% ($1,010.5 mil)
Quarterly Pretax return on assets: 0.97% ($1,065.4 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
37Total employees (full-time equivalent)
$109,838Total assets
$9,348Cash and due from depository institutions
$7,262Interest-bearing balances
$15,839Securities
$5,110Federal funds sold & reverse repurchase agreements
$71,801Net loans & leases
$1,356Loan loss allowance
$0Trading account assets
$2,554Bank premises and fixed assets
$813Other real estate owned
$0Goodwill and other intangibles
$109,838Life insurance assets
$4,373All other assets
$99,250Total liabilities and capital
$98,824Total liabilities
$74,822Total deposits
$98,824Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$426Subordinated debt
$10,588All other liabilities
$10,588Total equity capital
$10,588Total bank equity capital
$0Perpetual preferred stock
$486Common stock
$4,100Surplus
$6,002Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,366Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$391Long-term assets (5+ years)
$100,012Average Assets, year-to-date
$26,826Average Assets, quarterly
$113,165Volatile liabilities
$113,857Insider loans
$72,300FHLB advances
$114,312Loans and leases held for sale
$3,008Unused loan commitments
$2,651Tier 1 (core) risk-based capital
$10,231Tier 2 risk-based capital
$357Total risk weighted assets
$0Total unused commitments
$4,208Restructured Loans and leases
$226Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,617Total interest income
$689Total interest expense
$4,928Net interest income
$155Provision for loan and lease losses
$897Total noninterest income
$0Fiduciary activities
$573Service charges on deposit accounts
$0Trading account gains & fees
$324Additional noninterest income
$4,630Total noninterest expense
$2,545Salaries and employee benefits
$682Premises and equipment expense
$1,403Additional noninterest expense
$1,040Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,040Income before extraordinary items
$0Extraordinary gains - net
$1,040Net income attributable to bank
$0Net charge-offs
$1,040Cash dividends
$85Sale, conversion, retirement of capital stock, net
$725Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.43%Yield on earning assets
0.67%Cost of funding earning assets
4.76%Net interest margin
0.87%Noninterest income to earning assets
4.47%Noninterest expense to earning assets
0.92%Net operating income to assets
0.92%Return on assets (ROA)
0.92%Pretax return on assets
10.08%Return on equity (ROE)
3.05%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
182.35%Credit loss provision to net charge-offs
14.06%Efficiency ratio
79,485Assets per employee
2.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
69.71%Loss allowance to loans
1.85%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.74%Noncurrent loans to loans
0.00%Net loans and leases to deposits
72.66%Net loans and leases to core deposits
73.16%Equity capital to assets
9.64%Core capital (leverage) ratio
8.95%Tier 1 risk-based capital ratio
14.15%Total risk-based capital ratio
Memoranda
$15Average assets
$113,165Average earning assets
$10,314Average equity
$103,491Average loans

List of branches

3 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	17087	First Commercial Bank, National Association	1336 East Court Street, Seguin, TX 78155	July 01, 1983	Full Service Brick and Mortar
2	257533	New Braunfels Branch	1656 West State Highway 46, New Braunfels, TX 78132	August 08, 1995	Full Service Brick and Mortar
4	466389	New Bruanfels Branch-725 Branch	1525 South Seguin Ave., New Braunfels, TX 78130	May 01, 2007	Full Service Brick and Mortar

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

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

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