First Community Bank, National Association in city_name, state_name

First Community Bank, National Association in San Benito, Texas (TX)
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First Community Bank, National Association routing number info

First Community Bank, National Association - Overview

General
FDIC Certificate #: 22964
Status: Active
Federal Reserve ID: 334264
Bank Holding Company (Regulatory Top Holder): First San Benito Bancshares Corporation (RSSDID: 1107009, Location: San Benito, TX)
Date Established: October 01, 1979
WWW: http://www.fcbweb.net
Trust Powers Granted: Yes
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 #: 11675
FDIC's unique #: 16067
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: October 01, 1979
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: 1151 West Highway 77, San Benito, TX 78586
County: Cameron
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): Brownsville-Harlingen-San Benito, TX (#1240)
Combined Statistical Area (CSA): Brownsville-Harlingen-Raymondville, TX (#154)
Core Based Statistical Area (CBSA): Brownsville-Harlingen, TX (#15180)
CBSA Metro Statistical Area: Brownsville-Harlingen, TX (#15180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $206.0 mil
Equity capital: $19.6 mil
Deposits held in domestic offices: $185.8 mil
Return on assets (ROA): 0.64% ($1.3 mil)
Quarterly return on assets: 0.39% ($0.8 mil)
Return on Equity (ROE): 6.99% ($1.4 mil)
Quarterly return on equity: 4.17% ($0.8 mil)
Net income: $1.3 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.93% ($1,916.3 mil)
Quarterly Pretax return on assets: 0.53% ($1,092.1 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
74Total employees (full-time equivalent)
$206,049Total assets
$9,792Cash and due from depository institutions
$5,478Interest-bearing balances
$60,335Securities
$6,765Federal funds sold & reverse repurchase agreements
$117,385Net loans & leases
$2,424Loan loss allowance
$0Trading account assets
$6,470Bank premises and fixed assets
$2,599Other real estate owned
$0Goodwill and other intangibles
$206,049Life insurance assets
$2,703All other assets
$186,481Total liabilities and capital
$185,808Total liabilities
$131,919Total deposits
$185,808Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$246Trading liabilities
$0Other borrowed funds
$427Subordinated debt
$19,568All other liabilities
$19,568Total equity capital
$19,568Total bank equity capital
$0Perpetual preferred stock
$625Common stock
$7,751Surplus
$11,192Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,967Income earned, not collected on loans
$0Earning assets
$955Long-term assets (5+ years)
$189,963Average Assets, year-to-date
$53,972Average Assets, quarterly
$203,740Volatile liabilities
$209,285Insider loans
$127,611FHLB advances
$208,418Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$18,713Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$16,045Restructured Loans and leases
$2,948Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,563Total interest income
$1,181Total interest expense
$8,382Net interest income
$225Provision for loan and lease losses
$1,771Total noninterest income
$0Fiduciary activities
$1,141Service charges on deposit accounts
$0Trading account gains & fees
$630Additional noninterest income
$8,056Total noninterest expense
$4,183Salaries and employee benefits
$1,369Premises and equipment expense
$2,504Additional noninterest expense
$1,872Pre-tax net operating income
$13Securities gains (losses)
$581Applicable income taxes
$1,304Income before extraordinary items
$0Extraordinary gains - net
$1,304Net income attributable to bank
$0Net charge-offs
$1,304Cash dividends
$221Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.12%Yield on earning assets
0.63%Cost of funding earning assets
4.49%Net interest margin
0.95%Noninterest income to earning assets
4.31%Noninterest expense to earning assets
0.64%Net operating income to assets
0.64%Return on assets (ROA)
0.93%Pretax return on assets
6.99%Return on equity (ROE)
6.99%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
101.81%Credit loss provision to net charge-offs
9.49%Efficiency ratio
79,346Assets per employee
2.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.02%Loss allowance to noncurrent loans
81.70%Noncurrent assets plus other real estate owned to assets
2.70%Noncurrent loans to loans
2.48%Net loans and leases to deposits
63.18%Net loans and leases to core deposits
70.58%Equity capital to assets
9.50%Core capital (leverage) ratio
8.98%Tier 1 risk-based capital ratio
14.66%Total risk-based capital ratio
Memoranda
$16Average assets
$203,740Average earning assets
$18,662Average equity
$186,815Average loans

List of branches

6 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	16067	First Community Bank, National Association	1151 West Highway 77, San Benito, TX 78586	October 01, 1979	Full Service Brick and Mortar
1	255715	Harlingen Banking Center Branch	806 South 77 Sunshine Strip, Harlingen, TX 78550	January 18, 2000	Full Service Brick and Mortar
2	419584	Los Fresnos Banking Center Branch	205 E Ocean Blvd., Los Fresnos, TX 78566	December 09, 2002	Full Service Brick and Mortar
4	419586	Valley Baptist Medical Banking Cente	2121 Pease, Suite 1f, Harlingen, TX 78550	June 02, 2003	Full Service Brick and Mortar
5	460996	Stuart Place Road Branch	405 North Strart Place Road, Harlingen, TX 78552	September 25, 2006	Full Service Brick and Mortar
6	467925	First Community Bank Branch	800 West Jefferson Street, Suite 140, Brownsville, TX 78520	July 19, 2007	Full Service Brick and Mortar

First Community Bank, National Association in San Benito, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community 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 Community Bank, National Association in San Benito, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First Community 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 Community Bank, National Association in San Benito, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches