FDIC Certificate #: 24181 Status: Active Federal Reserve ID: 680952 Date Established: October 29, 1982 WWW:http://www.fnbccity.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 16835 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: October 29, 1982 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: 2225 Hickory, Colorado City, TX 79512 County: Mitchell Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Lubbock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $42.7 mil Equity capital: $3.8 mil Deposits held in domestic offices: $38.6 mil Return on assets (ROA): 0.41% ($0.2 mil) Quarterly return on assets: 0.46% ($0.2 mil) Return on Equity (ROE): 4.72% ($0.2 mil) Quarterly return on equity: 5.06% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.48% ($205.2 mil) Quarterly Pretax return on assets: 0.20% ($85.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$42,747Total assets
$7,282Cash and due from depository institutions
$82Interest-bearing balances
$17,066Securities
$3,925Federal funds sold & reverse repurchase agreements
$13,666Net loans & leases
$71Loan loss allowance
$0Trading account assets
$380Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$42,747Life insurance assets
$428All other assets
$38,949Total liabilities and capital
$38,622Total liabilities
$32,676Total deposits
$38,622Interest-bearing deposits
$55Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$327Subordinated debt
$3,798All other liabilities
$3,798Total equity capital
$3,798Total bank equity capital
$0Perpetual preferred stock
$750Common stock
$750Surplus
$2,298Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$25Income earned, not collected on loans
$0Earning assets
$212Long-term assets (5+ years)
$34,739Average Assets, year-to-date
$18,061Average Assets, quarterly
$42,359Volatile liabilities
$42,114Insider loans
$11,349FHLB advances
$43,052Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,548Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$834Restructured Loans and leases
$477Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,100Total interest income
$104Total interest expense
$996Net interest income
$12Provision for loan and lease losses
$234Total noninterest income
$0Fiduciary activities
$199Service charges on deposit accounts
$0Trading account gains & fees
$35Additional noninterest income
$1,013Total noninterest expense
$427Salaries and employee benefits
$73Premises and equipment expense
$513Additional noninterest expense
$205Pre-tax net operating income
$0Securities gains (losses)
$32Applicable income taxes
$173Income before extraordinary items
$0Extraordinary gains - net
$173Net income attributable to bank
$0Net charge-offs
$173Cash dividends
$15Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.08%Yield on earning assets
0.29%Cost of funding earning assets
2.79%Net interest margin
0.66%Noninterest income to earning assets
2.84%Noninterest expense to earning assets
0.41%Net operating income to assets
0.41%Return on assets (ROA)
0.48%Pretax return on assets
4.72%Return on equity (ROE)
4.72%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
80.00%Credit loss provision to net charge-offs
14.47%Efficiency ratio
82,358Assets per employee
4.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.52%Loss allowance to noncurrent loans
284.00%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.18%Net loans and leases to deposits
35.38%Net loans and leases to core deposits
35.62%Equity capital to assets
8.88%Core capital (leverage) ratio
8.24%Tier 1 risk-based capital ratio
31.26%Total risk-based capital ratio
Memoranda
$32Average assets
$42,359Average earning assets
$3,663Average equity
$35,712Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
16835
First National Bank Of Colorado City
2225 Hickory, Colorado City, TX 79512
October 29, 1982
Full Service Brick and Mortar
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