First Community Bank East Texas, National Association - Overview
General
FDIC Certificate #: 3157 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Community Bank, National Association (#26435) Federal Reserve ID: 820459 Date Established: January 01, 1892 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) OTS Docket #: 11408 FDIC's unique #: 2024 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: March 06, 2009 Last Structure Change Process Date: March 24, 2009 Last Data Update: March 24, 2009 Data Source Date: April 05, 2012
Location
Address: 415 East Goliad Street, Crockett, TX 75835 County: Houston 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
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
42Total employees (full-time equivalent)
$199,156Total assets
$21,726Cash and due from depository institutions
$19,854Interest-bearing balances
$8,755Securities
$32Federal funds sold & reverse repurchase agreements
$131,065Net loans & leases
$1,773Loan loss allowance
$0Trading account assets
$14,204Bank premises and fixed assets
$55Other real estate owned
$19,108Goodwill and other intangibles
$1,575Life insurance assets
$4,211All other assets
$199,156Total liabilities and capital
$164,693Total liabilities
$161,874Total deposits
$129,090Interest-bearing deposits
$161,874Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,141Other borrowed funds
$0Subordinated debt
$1,678All other liabilities
$34,463Total equity capital
$34,463Total bank equity capital
$34,463Perpetual preferred stock
$0Common stock
$215Surplus
$33,105Undivided profits
Memoranda
$1,143Noncurrent loans and leases
$14,262Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,422Earning assets
$0Long-term assets (5+ years)
$1,014Average Assets, year-to-date
$159,706Average Assets, quarterly
$21,863Volatile liabilities
$181,996Insider loans
$192,644FHLB advances
$26,895Loans and leases held for sale
$1,373Unused loan commitments
$1,141Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$14,262Total unused commitments
$0Restructured Loans and leases
$1,735Derivatives
Income and Expense (December 31, 2008)
Dollar figures in thousands
$9,263Total interest income
$2,990Total interest expense
$6,273Net interest income
$1,020Provision for loan and lease losses
$874Total noninterest income
$0Fiduciary activities
$625Service charges on deposit accounts
$0Trading account gains & fees
$249Additional noninterest income
$5,062Total noninterest expense
$1,567Salaries and employee benefits
$1,132Premises and equipment expense
$2,363Additional noninterest expense
$1,065Pre-tax net operating income
$0Securities gains (losses)
$288Applicable income taxes
$777Income before extraordinary items
$0Extraordinary gains - net
$777Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$260Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2008)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.74%Yield on earning assets
2.18%Cost of funding earning assets
4.56%Net interest margin
0.64%Noninterest income to earning assets
3.68%Noninterest expense to earning assets
0.43%Net operating income to assets
0.43%Return on assets (ROA)
0.59%Pretax return on assets
2.24%Return on equity (ROE)
2.24%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
392.31%Credit loss provision to net charge-offs
8.02%Efficiency ratio
67,497Assets per employee
4.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.33%Loss allowance to noncurrent loans
73.20%Noncurrent assets plus other real estate owned to assets
1.24%Noncurrent loans to loans
1.82%Net loans and leases to deposits
80.97%Net loans and leases to core deposits
97.10%Equity capital to assets
17.30%Core capital (leverage) ratio
8.56%Tier 1 risk-based capital ratio
10.92%Total risk-based capital ratio
Memoranda
$12Average assets
$181,996Average earning assets
$34,645Average equity
$137,461Average loans
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First Community Bank East Texas, National Association
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