First Community Bank Central Texas, National Association - Overview
General
FDIC Certificate #: 1491 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Community Bank, National Association (#26435) Federal Reserve ID: 378259 Date Established: January 01, 1927 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 10 (Interstate: No) FDIC's unique #: 986 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: January 23, 2009 Last Structure Change Process Date: Febuary 05, 2009 Last Data Update: Febuary 05, 2009 Data Source Date: April 05, 2012
Location
Address: 100 West Morgan Street, Meridian, TX 76665 County: Bosque Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
Financial Summary
Total assets: $199.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2008)
Dollar figures in thousands
65Total employees (full-time equivalent)
$199,247Total assets
$9,222Cash and due from depository institutions
$4,022Interest-bearing balances
$18,309Securities
$747Federal funds sold & reverse repurchase agreements
$155,065Net loans & leases
$1,934Loan loss allowance
$0Trading account assets
$7,232Bank premises and fixed assets
$0Other real estate owned
$6,471Goodwill and other intangibles
$0Life insurance assets
$2,201All other assets
$199,247Total liabilities and capital
$176,650Total liabilities
$175,708Total deposits
$155,848Interest-bearing deposits
$175,708Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$942All other liabilities
$22,597Total equity capital
$22,597Total bank equity capital
$22,597Perpetual preferred stock
$0Common stock
$107Surplus
$27,093Undivided profits
Memoranda
$-4,603Noncurrent loans and leases
$33,853Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,020Earning assets
$0Long-term assets (5+ years)
$957Average Assets, year-to-date
$178,143Average Assets, quarterly
$34,496Volatile liabilities
$164,316Insider loans
$191,385FHLB advances
$67,002Loans and leases held for sale
$1,866Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$33,853Total unused commitments
$0Restructured Loans and leases
$1,934Derivatives
Income and Expense (December 31, 2008)
Dollar figures in thousands
$8,713Total interest income
$4,440Total interest expense
$4,273Net interest income
$1,580Provision for loan and lease losses
$782Total noninterest income
$0Fiduciary activities
$613Service charges on deposit accounts
$0Trading account gains & fees
$169Additional noninterest income
$7,852Total noninterest expense
$2,674Salaries and employee benefits
$2,375Premises and equipment expense
$2,803Additional noninterest expense
-$4,377Pre-tax net operating income
$0Securities gains (losses)
$28Applicable income taxes
-$4,405Income before extraordinary items
$0Extraordinary gains - net
-$4,405Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$589Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2008)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.00%Yield on earning assets
3.06%Cost of funding earning assets
2.94%Net interest margin
0.54%Noninterest income to earning assets
5.41%Noninterest expense to earning assets
-2.68%Net operating income to assets
-2.68%Return on assets (ROA)
-2.66%Pretax return on assets
-21.68%Return on equity (ROE)
-21.68%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
268.25%Credit loss provision to net charge-offs
-4.75%Efficiency ratio
152,384Assets per employee
3.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
95.74%Noncurrent assets plus other real estate owned to assets
1.01%Noncurrent loans to loans
1.29%Net loans and leases to deposits
88.25%Net loans and leases to core deposits
142.65%Equity capital to assets
11.34%Core capital (leverage) ratio
8.40%Tier 1 risk-based capital ratio
9.80%Total risk-based capital ratio
Memoranda
$11Average assets
$164,316Average earning assets
$20,314Average equity
$145,248Average loans
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First Community Bank Central Texas, National Association
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