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

First Bank of Conroe, National Association - Overview

  • General
  • FDIC Certificate #: 26229
    Status: Active
    Federal Reserve ID: 685658
    Date Established: May 08, 1985
    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: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 10246
    FDIC's unique #: 32566
    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: May 08, 1985
    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: 1800 West White Oak Boulevard, Conroe, TX 77304
    County: Montgomery
    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): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $285.9 mil
    Equity capital: $26.4 mil
    Deposits held in domestic offices: $258.3 mil
    Return on assets (ROA): 1.64% ($4.7 mil)
    Quarterly return on assets: 1.55% ($4.4 mil)
    Return on Equity (ROE): 18.08% ($4.7 mil)
    Quarterly return on equity: 16.85% ($4.4 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.64% ($4,688.8 mil)
    Quarterly Pretax return on assets: 1.55% ($4,431.4 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
  • 101Total employees (full-time equivalent)
  • $285,900Total assets
  • $7,094Cash and due from depository institutions
  • $2,267Interest-bearing balances
  • $36,116Securities
  • $20,150Federal funds sold & reverse repurchase agreements
  • $210,764Net loans & leases
  • $2,590Loan loss allowance
  • $0Trading account assets
  • $7,967Bank premises and fixed assets
  • $1,129Other real estate owned
  • $0Goodwill and other intangibles
  • $285,900Life insurance assets
  • $2,680All other assets
  • $259,477Total liabilities and capital
  • $258,289Total liabilities
  • $168,532Total deposits
  • $258,289Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,188Subordinated debt
  • $26,423All other liabilities
  • $26,423Total equity capital
  • $26,423Total bank equity capital
  • $0Perpetual preferred stock
  • $4,366Common stock
  • $204Surplus
  • $21,853Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,110Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,204Income earned, not collected on loans
  • $0Earning assets
  • $877Long-term assets (5+ years)
  • $269,297Average Assets, year-to-date
  • $20,054Average Assets, quarterly
  • $277,047Volatile liabilities
  • $285,216Insider loans
  • $208,423FHLB advances
  • $284,729Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,925Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $35,575Restructured Loans and leases
  • $1,869Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,919Total interest income
  • $1,224Total interest expense
  • $13,695Net interest income
  • $987Provision for loan and lease losses
  • $3,112Total noninterest income
  • $0Fiduciary activities
  • $2,122Service charges on deposit accounts
  • $0Trading account gains & fees
  • $990Additional noninterest income
  • $11,277Total noninterest expense
  • $7,214Salaries and employee benefits
  • $1,886Premises and equipment expense
  • $2,177Additional noninterest expense
  • $4,543Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $4,543Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,543Net income attributable to bank
  • $0Net charge-offs
  • $4,543Cash dividends
  • $837Sale, conversion, retirement of capital stock, net
  • $2,528Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.71%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 5.25%Net interest margin
  • 1.19%Noninterest income to earning assets
  • 4.32%Noninterest expense to earning assets
  • 1.64%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 18.08%Return on equity (ROE)
  • 8.02%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 117.92%Credit loss provision to net charge-offs
  • 6.61%Efficiency ratio
  • 67,097Assets per employee
  • 2.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.65%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 215.12%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 81.60%Net loans and leases to core deposits
  • 90.12%Equity capital to assets
  • 9.24%Core capital (leverage) ratio
  • 9.11%Tier 1 risk-based capital ratio
  • 12.44%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $277,047Average earning assets
  • $25,134Average equity
  • $261,061Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032566First Bank Of Conroe, National Association1800 West White Oak Boulevard, Conroe, TX 77304May 08, 1985Full Service Brick and Mortar
    1258558Montgomery Branch14125 Liberty Street, Montgomery, TX 77316January 03, 1994Full Service Brick and Mortar
    2258559Loop Branch2201 Westview Boulevard, Conroe, TX 77304January 06, 1997Full Service Brick and Mortar
    3258560Fm 1488 Branch6311-A Fm 1488, Magnolia, TX 77354January 31, 2000Full Service Brick and Mortar
    4364304Cut And Shoot Branch11399 Highway 105 East, Conroe, TX 77303June 03, 2002Full Service Brick and Mortar
    6453475Willis Branch10521 Fm 1097 West, Willis, TX 77318January 18, 2006Full Service Brick and Mortar

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