First National Bank of Central Texas in city_name, state_name

First National Bank of Central Texas in Waco, Texas (TX)
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First National Bank of Central Texas routing number info

First National Bank of Central Texas - Overview

General
FDIC Certificate #: 3325
Status: Active
Federal Reserve ID: 369659
Bank Holding Company (Regulatory Top Holder): Fct Bancshares, Inc. (RSSDID: 2348274, Location: Waco, TX)
Date Established: August 12, 1901
WWW: http://www.fnbct.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: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 2151
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: January 01, 1934
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: 1835 North Valley Mills Drive, Waco, TX 76712
County: Mclennan
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
Metropolitan Statistical Area (MSA): Waco, TX (#8800)
Core Based Statistical Area (CBSA): Waco, TX (#47380)
CBSA Metro Statistical Area: Waco, TX (#47380)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $608.3 mil
Equity capital: $49.8 mil
Deposits held in domestic offices: $543.3 mil
Return on assets (ROA): 1.83% ($11.1 mil)
Quarterly return on assets: 1.68% ($10.2 mil)
Return on Equity (ROE): 22.61% ($11.3 mil)
Quarterly return on equity: 20.62% ($10.3 mil)
Net income: $10.6 mil
Quarterly Net income: $2.5 mil
Pretax return on assets: 1.83% ($11,131.4 mil)
Quarterly Pretax return on assets: 1.68% ($10,219.0 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
97Total employees (full-time equivalent)
$608,273Total assets
$63,740Cash and due from depository institutions
$44,820Interest-bearing balances
$60,827Securities
$0Federal funds sold & reverse repurchase agreements
$456,540Net loans & leases
$6,533Loan loss allowance
$0Trading account assets
$11,358Bank premises and fixed assets
$769Other real estate owned
$1,043Goodwill and other intangibles
$608,273Life insurance assets
$13,996All other assets
$558,495Total liabilities and capital
$543,331Total liabilities
$438,032Total deposits
$543,331Interest-bearing deposits
$76Deposits held in domestic offices
9120.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$6,044Subordinated debt
$49,778All other liabilities
$49,778Total equity capital
$49,778Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$16,278Surplus
$33,250Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,796Income earned, not collected on loans
$0Earning assets
$2,096Long-term assets (5+ years)
$562,187Average Assets, year-to-date
$105,269Average Assets, quarterly
$579,830Volatile liabilities
$593,826Insider loans
$450,304FHLB advances
$590,604Loans and leases held for sale
$9,559Unused loan commitments
$0Tier 1 (core) risk-based capital
$47,632Tier 2 risk-based capital
$9,559Total risk weighted assets
$0Total unused commitments
$69,254Restructured Loans and leases
$7,654Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$26,387Total interest income
$4,864Total interest expense
$21,523Net interest income
$1,980Provision for loan and lease losses
$4,043Total noninterest income
$0Fiduciary activities
$1,877Service charges on deposit accounts
$0Trading account gains & fees
$2,166Additional noninterest income
$13,402Total noninterest expense
$6,947Salaries and employee benefits
$1,640Premises and equipment expense
$4,815Additional noninterest expense
$10,184Pre-tax net operating income
$430Securities gains (losses)
$0Applicable income taxes
$10,614Income before extraordinary items
$0Extraordinary gains - net
$10,614Net income attributable to bank
$0Net charge-offs
$10,614Cash dividends
$300Sale, conversion, retirement of capital stock, net
$7,269Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.94%Yield on earning assets
0.91%Cost of funding earning assets
4.03%Net interest margin
0.76%Noninterest income to earning assets
2.51%Noninterest expense to earning assets
1.76%Net operating income to assets
1.83%Return on assets (ROA)
1.83%Pretax return on assets
22.61%Return on equity (ROE)
7.13%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
660.00%Credit loss provision to net charge-offs
40.55%Efficiency ratio
52,421Assets per employee
6.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.49%Loss allowance to loans
1.41%Loss allowance to noncurrent loans
233.66%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
0.60%Net loans and leases to deposits
84.03%Net loans and leases to core deposits
87.60%Equity capital to assets
8.18%Core capital (leverage) ratio
8.06%Tier 1 risk-based capital ratio
10.58%Total risk-based capital ratio
Memoranda
$12Average assets
$579,830Average earning assets
$46,938Average equity
$534,653Average loans

List of branches

5 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2151	First National Bank Of Central Texas	1835 North Valley Mills Drive, Waco, TX 76712	August 12, 1901	Full Service Brick and Mortar
1	196355	Mart Branch	501 Texas Avenue, Mart, TX 76664	September 30, 1996	Full Service Brick and Mortar
2	266154	Hillsboro Branch	300 Elm, Hillsboro, TX 76645	January 01, 1926	Full Service Brick and Mortar
3	429575	China Spring Branch	10332 China Spring Road, Waco, TX 76708	April 12, 2004	Full Service Brick and Mortar
4	489975	Woodway-Hewitt Branch	7500 W. Woodway Drive, Waco, TX 76712	Febuary 17, 2009	Full Service Brick and Mortar

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

First National Bank of Central Texas - 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 National Bank of Central Texas in Waco, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Central Texas - 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 National Bank of Central Texas in Waco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches