First Capital Bank in Quanah, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Capital Bank - Overview

  • General
  • FDIC Certificate #: 3399
    Status: Active
    Federal Reserve ID: 919568
    Bank Holding Company (Regulatory Top Holder): Quanah Financial Corporation Employee Stock Ownership Plan (RSSDID: 2366755, Location: Quanah, TX)
    Date Established: January 01, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15546
    FDIC's unique #: 2213
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 19, 2011
    Last Structure Change Process Date: June 09, 2011
    Last Data Update: June 09, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: Third And Mercer Streets, Quanah, TX 79252
    County: Hardeman
    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
  • Name Change
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $55.4 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $50.8 mil
    Return on assets (ROA): 0.17% ($0.1 mil)
    Quarterly return on assets: -0.13% (-$0.1 mil)
    Return on Equity (ROE): 2.09% ($0.1 mil)
    Quarterly return on equity: -1.56% (-$0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.26% ($144.2 mil)
    Quarterly Pretax return on assets: -0.13% (-$72.1 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
  • 22Total employees (full-time equivalent)
  • $55,446Total assets
  • $4,586Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,907Securities
  • $1,705Federal funds sold & reverse repurchase agreements
  • $42,372Net loans & leases
  • $538Loan loss allowance
  • $0Trading account assets
  • $2,667Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $55,446Life insurance assets
  • $1,209All other assets
  • $50,836Total liabilities and capital
  • $50,765Total liabilities
  • $29,598Total deposits
  • $50,765Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $71Subordinated debt
  • $4,610All other liabilities
  • $4,610Total equity capital
  • $4,610Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $2,300Surplus
  • $2,010Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $563Income earned, not collected on loans
  • $0Earning assets
  • $381Long-term assets (5+ years)
  • $46,984Average Assets, year-to-date
  • $3,900Average Assets, quarterly
  • $56,306Volatile liabilities
  • $56,493Insider loans
  • $43,809FHLB advances
  • $57,053Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,546Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,629Restructured Loans and leases
  • $686Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,795Total interest income
  • $255Total interest expense
  • $2,540Net interest income
  • $278Provision for loan and lease losses
  • $476Total noninterest income
  • $0Fiduciary activities
  • $332Service charges on deposit accounts
  • $0Trading account gains & fees
  • $144Additional noninterest income
  • $2,589Total noninterest expense
  • $1,381Salaries and employee benefits
  • $257Premises and equipment expense
  • $951Additional noninterest expense
  • $149Pre-tax net operating income
  • $0Securities gains (losses)
  • $55Applicable income taxes
  • $94Income before extraordinary items
  • $0Extraordinary gains - net
  • $94Net income attributable to bank
  • $0Net charge-offs
  • $94Cash dividends
  • $316Sale, conversion, retirement of capital stock, net
  • $78Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.71%Yield on earning assets
  • 0.52%Cost of funding earning assets
  • 5.19%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 5.29%Noninterest expense to earning assets
  • 0.17%Net operating income to assets
  • 0.17%Return on assets (ROA)
  • 0.26%Pretax return on assets
  • 2.09%Return on equity (ROE)
  • 0.35%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 87.97%Credit loss provision to net charge-offs
  • 1.35%Efficiency ratio
  • 85,842Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.98%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 95.56%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 83.47%Net loans and leases to core deposits
  • 86.69%Equity capital to assets
  • 8.31%Core capital (leverage) ratio
  • 7.97%Tier 1 risk-based capital ratio
  • 10.38%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $56,306Average earning assets
  • $4,507Average equity
  • $48,957Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02213First Capital BankThird And Mercer Streets, Quanah, TX 79252January 01, 1907Full Service Brick and Mortar
    1464048Wichita National Bank Branch5030 Stone Lake Drive, Wichita Falls, TX 76310April 23, 2007Full Service Brick and Mortar

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