First Community Bank, National Association in San Benito, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Community Bank, National Association in San Benito, Texas (TX)
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First Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 22964
    Status: Active
    Federal Reserve ID: 334264
    Bank Holding Company (Regulatory Top Holder): First San Benito Bancshares Corporation (RSSDID: 1107009, Location: San Benito, TX)
    Date Established: October 01, 1979
    WWW: http://www.fcbweb.net
    Trust Powers Granted: Yes
    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 #: 11675
    FDIC's unique #: 16067
    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: Commercial Lending Specialization
    Date of Deposit Insurance: October 01, 1979
    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: 1151 West Highway 77, San Benito, TX 78586
    County: Cameron
    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): Brownsville-Harlingen-San Benito, TX (#1240)
    Combined Statistical Area (CSA): Brownsville-Harlingen-Raymondville, TX (#154)
    Core Based Statistical Area (CBSA): Brownsville-Harlingen, TX (#15180)
    CBSA Metro Statistical Area: Brownsville-Harlingen, TX (#15180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $206.0 mil
    Equity capital: $19.6 mil
    Deposits held in domestic offices: $185.8 mil
    Return on assets (ROA): 0.64% ($1.3 mil)
    Quarterly return on assets: 0.39% ($0.8 mil)
    Return on Equity (ROE): 6.99% ($1.4 mil)
    Quarterly return on equity: 4.17% ($0.8 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.93% ($1,916.3 mil)
    Quarterly Pretax return on assets: 0.53% ($1,092.1 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
  • 74Total employees (full-time equivalent)
  • $206,049Total assets
  • $9,792Cash and due from depository institutions
  • $5,478Interest-bearing balances
  • $60,335Securities
  • $6,765Federal funds sold & reverse repurchase agreements
  • $117,385Net loans & leases
  • $2,424Loan loss allowance
  • $0Trading account assets
  • $6,470Bank premises and fixed assets
  • $2,599Other real estate owned
  • $0Goodwill and other intangibles
  • $206,049Life insurance assets
  • $2,703All other assets
  • $186,481Total liabilities and capital
  • $185,808Total liabilities
  • $131,919Total deposits
  • $185,808Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $246Trading liabilities
  • $0Other borrowed funds
  • $427Subordinated debt
  • $19,568All other liabilities
  • $19,568Total equity capital
  • $19,568Total bank equity capital
  • $0Perpetual preferred stock
  • $625Common stock
  • $7,751Surplus
  • $11,192Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,967Income earned, not collected on loans
  • $0Earning assets
  • $955Long-term assets (5+ years)
  • $189,963Average Assets, year-to-date
  • $53,972Average Assets, quarterly
  • $203,740Volatile liabilities
  • $209,285Insider loans
  • $127,611FHLB advances
  • $208,418Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,713Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,045Restructured Loans and leases
  • $2,948Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,563Total interest income
  • $1,181Total interest expense
  • $8,382Net interest income
  • $225Provision for loan and lease losses
  • $1,771Total noninterest income
  • $0Fiduciary activities
  • $1,141Service charges on deposit accounts
  • $0Trading account gains & fees
  • $630Additional noninterest income
  • $8,056Total noninterest expense
  • $4,183Salaries and employee benefits
  • $1,369Premises and equipment expense
  • $2,504Additional noninterest expense
  • $1,872Pre-tax net operating income
  • $13Securities gains (losses)
  • $581Applicable income taxes
  • $1,304Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,304Net income attributable to bank
  • $0Net charge-offs
  • $1,304Cash dividends
  • $221Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.49%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 4.31%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 6.99%Return on equity (ROE)
  • 6.99%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 101.81%Credit loss provision to net charge-offs
  • 9.49%Efficiency ratio
  • 79,346Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 81.70%Noncurrent assets plus other real estate owned to assets
  • 2.70%Noncurrent loans to loans
  • 2.48%Net loans and leases to deposits
  • 63.18%Net loans and leases to core deposits
  • 70.58%Equity capital to assets
  • 9.50%Core capital (leverage) ratio
  • 8.98%Tier 1 risk-based capital ratio
  • 14.66%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $203,740Average earning assets
  • $18,662Average equity
  • $186,815Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016067First Community Bank, National Association1151 West Highway 77, San Benito, TX 78586October 01, 1979Full Service Brick and Mortar
    1255715Harlingen Banking Center Branch806 South 77 Sunshine Strip, Harlingen, TX 78550January 18, 2000Full Service Brick and Mortar
    2419584Los Fresnos Banking Center Branch205 E Ocean Blvd., Los Fresnos, TX 78566December 09, 2002Full Service Brick and Mortar
    4419586Valley Baptist Medical Banking Cente2121 Pease, Suite 1f, Harlingen, TX 78550June 02, 2003Full Service Brick and Mortar
    5460996Stuart Place Road Branch405 North Strart Place Road, Harlingen, TX 78552September 25, 2006Full Service Brick and Mortar
    6467925First Community Bank Branch800 West Jefferson Street, Suite 140, Brownsville, TX 78520July 19, 2007Full Service Brick and Mortar

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