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

  • First Commercial Bank, National Association in Seguin, Texas (TX)
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First Commercial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 24603
    Status: Active
    Federal Reserve ID: 400365
    Bank Holding Company (Regulatory Top Holder): First Commercial Financial Corp (RSSDID: 2299992, Location: Seguin, TX)
    Date Established: July 01, 1983
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 17087
    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: July 01, 1983
    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: 1336 East Court Street, Seguin, TX 78155
    County: Guadalupe
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): San Antonio, TX (#7240)
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $109.8 mil
    Equity capital: $10.6 mil
    Deposits held in domestic offices: $98.8 mil
    Return on assets (ROA): 0.92% ($1.0 mil)
    Quarterly return on assets: 0.97% ($1.1 mil)
    Return on Equity (ROE): 10.08% ($1.1 mil)
    Quarterly return on equity: 10.48% ($1.2 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.92% ($1,010.5 mil)
    Quarterly Pretax return on assets: 0.97% ($1,065.4 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
  • 37Total employees (full-time equivalent)
  • $109,838Total assets
  • $9,348Cash and due from depository institutions
  • $7,262Interest-bearing balances
  • $15,839Securities
  • $5,110Federal funds sold & reverse repurchase agreements
  • $71,801Net loans & leases
  • $1,356Loan loss allowance
  • $0Trading account assets
  • $2,554Bank premises and fixed assets
  • $813Other real estate owned
  • $0Goodwill and other intangibles
  • $109,838Life insurance assets
  • $4,373All other assets
  • $99,250Total liabilities and capital
  • $98,824Total liabilities
  • $74,822Total deposits
  • $98,824Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $426Subordinated debt
  • $10,588All other liabilities
  • $10,588Total equity capital
  • $10,588Total bank equity capital
  • $0Perpetual preferred stock
  • $486Common stock
  • $4,100Surplus
  • $6,002Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,366Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $391Long-term assets (5+ years)
  • $100,012Average Assets, year-to-date
  • $26,826Average Assets, quarterly
  • $113,165Volatile liabilities
  • $113,857Insider loans
  • $72,300FHLB advances
  • $114,312Loans and leases held for sale
  • $3,008Unused loan commitments
  • $2,651Tier 1 (core) risk-based capital
  • $10,231Tier 2 risk-based capital
  • $357Total risk weighted assets
  • $0Total unused commitments
  • $4,208Restructured Loans and leases
  • $226Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,617Total interest income
  • $689Total interest expense
  • $4,928Net interest income
  • $155Provision for loan and lease losses
  • $897Total noninterest income
  • $0Fiduciary activities
  • $573Service charges on deposit accounts
  • $0Trading account gains & fees
  • $324Additional noninterest income
  • $4,630Total noninterest expense
  • $2,545Salaries and employee benefits
  • $682Premises and equipment expense
  • $1,403Additional noninterest expense
  • $1,040Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,040Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,040Net income attributable to bank
  • $0Net charge-offs
  • $1,040Cash dividends
  • $85Sale, conversion, retirement of capital stock, net
  • $725Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.43%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.76%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 4.47%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 10.08%Return on equity (ROE)
  • 3.05%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 182.35%Credit loss provision to net charge-offs
  • 14.06%Efficiency ratio
  • 79,485Assets per employee
  • 2.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.71%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 72.66%Net loans and leases to core deposits
  • 73.16%Equity capital to assets
  • 9.64%Core capital (leverage) ratio
  • 8.95%Tier 1 risk-based capital ratio
  • 14.15%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $113,165Average earning assets
  • $10,314Average equity
  • $103,491Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017087First Commercial Bank, National Association1336 East Court Street, Seguin, TX 78155July 01, 1983Full Service Brick and Mortar
    2257533New Braunfels Branch1656 West State Highway 46, New Braunfels, TX 78132August 08, 1995Full Service Brick and Mortar
    4466389New Bruanfels Branch-725 Branch1525 South Seguin Ave., New Braunfels, TX 78130May 01, 2007Full Service Brick and Mortar

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