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

First Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 26435
    Status: Active
    Federal Reserve ID: 359360
    Bank Holding Company (Regulatory Top Holder): Jll/Fch Holdings I, Llc (RSSDID: 3633052, Location: New York, NY)
    Date Established: November 12, 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: 33 (Domestic: 33, Interstate: No)
    FDIC's unique #: 33071
    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: November 12, 1985
    Last Structure Change Effective Date: March 06, 2009
    Last Structure Change Process Date: March 24, 2009
    Last Data Update: March 24, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 13135 Dairy Ashford, Suite 175, Sugar Land, TX 77478
    County: Fort Bend
    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
  • Participated in Absorption/Consolidation/Merger
    Change in Location
  • Financial Summary
  • Total assets: $634.7 mil
    Equity capital: $69.9 mil
    Deposits held in domestic offices: $559.1 mil
    Return on assets (ROA): -3.10% (-$19.7 mil)
    Quarterly return on assets: -2.95% (-$18.7 mil)
    Return on Equity (ROE): -26.37% (-$18.5 mil)
    Quarterly return on equity: -25.55% (-$17.9 mil)
    Net income: -$19.8 mil
    Quarterly Net income: -$4.6 mil
    Pretax return on assets: -3.11% (-$19,737.7 mil)
    Quarterly Pretax return on assets: -2.95% (-$18,722.3 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
  • 245Total employees (full-time equivalent)
  • $634,654Total assets
  • $66,514Cash and due from depository institutions
  • $55,310Interest-bearing balances
  • $39,340Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $466,358Net loans & leases
  • $9,347Loan loss allowance
  • $0Trading account assets
  • $25,093Bank premises and fixed assets
  • $11,149Other real estate owned
  • $1,679Goodwill and other intangibles
  • $634,654Life insurance assets
  • $24,521All other assets
  • $564,787Total liabilities and capital
  • $559,066Total liabilities
  • $457,577Total deposits
  • $559,066Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $391Trading liabilities
  • $0Other borrowed funds
  • $5,330Subordinated debt
  • $69,867All other liabilities
  • $69,867Total equity capital
  • $69,867Total bank equity capital
  • $0Perpetual preferred stock
  • $63Common stock
  • $190,973Surplus
  • $-121,169Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,800Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,091Income earned, not collected on loans
  • $0Earning assets
  • $2,832Long-term assets (5+ years)
  • $561,008Average Assets, year-to-date
  • $257,197Average Assets, quarterly
  • $637,123Volatile liabilities
  • $627,350Insider loans
  • $460,890FHLB advances
  • $621,623Loans and leases held for sale
  • $17,271Unused loan commitments
  • $6,849Tier 1 (core) risk-based capital
  • $66,094Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,422Total unused commitments
  • $14,342Restructured Loans and leases
  • $2,035Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,756Total interest income
  • $6,092Total interest expense
  • $19,664Net interest income
  • $9,999Provision for loan and lease losses
  • $1,494Total noninterest income
  • $0Fiduciary activities
  • $1,461Service charges on deposit accounts
  • $0Trading account gains & fees
  • $33Additional noninterest income
  • $31,113Total noninterest expense
  • $12,621Salaries and employee benefits
  • $8,734Premises and equipment expense
  • $9,758Additional noninterest expense
  • -$19,954Pre-tax net operating income
  • $151Securities gains (losses)
  • -$22Applicable income taxes
  • -$19,781Income before extraordinary items
  • $0Extraordinary gains - net
  • -$19,781Net income attributable to bank
  • $0Net charge-offs
  • -$19,781Cash dividends
  • $10,962Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 5.54%Noninterest expense to earning assets
  • -3.13%Net operating income to assets
  • -3.10%Return on assets (ROA)
  • -3.11%Pretax return on assets
  • -26.37%Return on equity (ROE)
  • -26.37%Retained earnings to average equity (YTD only)
  • 2.56%Net charge-offs to loans
  • 91.22%Credit loss provision to net charge-offs
  • -0.91%Efficiency ratio
  • 144,669Assets per employee
  • 2.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.96%Loss allowance to noncurrent loans
  • 58.09%Noncurrent assets plus other real estate owned to assets
  • 4.29%Noncurrent loans to loans
  • 3.38%Net loans and leases to deposits
  • 83.42%Net loans and leases to core deposits
  • 89.02%Equity capital to assets
  • 11.01%Core capital (leverage) ratio
  • 10.63%Tier 1 risk-based capital ratio
  • 14.34%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $637,123Average earning assets
  • $75,000Average equity
  • $561,516Average loans

List of branches

  • 33 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    033071First Community Bank, National Association13135 Dairy Ashford, Suite 175, Sugar Land, TX 77478November 12, 1985Full Service Brick and Mortar
    2454733First Colony Branch2735 Town Center Blvd. N. Ste. L, Sugar Land, TX 77479March 16, 2006Full Service Brick and Mortar
    3454734Granite Towers Lpo13135 Dairy Ashford Rd. Ste. 250, Sugar Land, TX 77478March 16, 2006Limited Service Loan Production
    5457511Richmond Branch208 Morton Street, Richmond, TX 77469December 12, 2006Full Service Brick and Mortar
    6473130Sienna Plantation Branch9029 Highway 6, Suite 100, Missouri City, TX 77459January 14, 2008Full Service Brick and Mortar
    11478920Rosenberg Branch24310 Southwest Freeway, Rosenberg, TX 77471October 22, 2007Full Service Brick and Mortar
    1257666Tomball Branch1150 West Main Street, Tomball, TX 77375October 14, 1997Full Service Brick and Mortar
    13358483Huntsville Branch1224 University Avenue, Huntsville, TX 77340August 01, 1999Full Service Brick and Mortar
    15463520Conroe Branch13080 Highway 105 West, Suite 120, Conroe, TX 77304April 06, 2007Full Service Brick and Mortar
    16456039Trinity Branch802 S Robb St, Trinity, TX 75862August 25, 2006Full Service Brick and Mortar
    17473453Research Forest Branch1400 Research Forest Drive, Suite 100, Shenandoah, TX 77381January 25, 2008Full Service Brick and Mortar
    18478921Grogans Mill Lpo Branch9450 Grogans Mill Road, Ste 110, The Woodlands, TX 77380May 15, 2007Limited Service Loan Production
    19478922Magnolia Branch18230 Fm 1488, Suite 101, Magnolia, TX 77354June 02, 2008Full Service Brick and Mortar
    20819281 North Branch14100 San Pedro Ave Ste 100, San Antonio, TX 78232May 07, 1907Full Service Brick and Mortar
    22437101Stone Oak Branch18450 Blanco Rd. Ste. 3, San Antonio, TX 78258January 20, 2005Full Service Brick and Mortar
    23440195Medical Center Branch8431 Fredericksburg Rd. Ste. 185, San Antonio, TX 78229March 01, 2005Full Service Brick and Mortar
    24466493Huebner - I-10 Branch11040 Ih 10 W Ste 100, San Antonio, TX 78230Febuary 01, 2007Full Service Brick and Mortar
    25466494Alamo Heights Branch970 E. Basse Rd., San Antonio, TX 78209March 14, 2007Full Service Brick and Mortar
    26475484Redland Branch2838 North Loop 1604 East, Suite 117, San Antonio, TX 78232March 13, 2008Full Service Brick and Mortar
    27986Meridan Branch100 West Morgan Street, Meridian, TX 76665January 01, 1927Full Service Brick and Mortar
    28282005Hico Branch300 E. Second St., Hico, TX 76457August 15, 1955Full Service Brick and Mortar
    29454703Valley Mills Branch1412 N. Valley Mills Dr. Ste. 128, Waco, TX 76710May 15, 2006Full Service Brick and Mortar
    30466495New Road Branch130 N. New Rd., Waco, TX 76710January 03, 2007Full Service Brick and Mortar
    31469203Dallas Parkway Branch17120 Dallas Parkway, Suite 101, Dallas, TX 75248September 25, 2007Full Service Brick and Mortar
    32473136Hewitt Branch1221 Hewitt Drive, Suite A, Waco, TX 76712January 07, 2008Full Service Brick and Mortar
    33475498Glen Rose Branch800 Southwest Big Bend Trail, Glen Rose, TX 76043Febuary 20, 2008Full Service Brick and Mortar
    34475499Colt - Lbj Branch7995 Lbj Freeway, Suite 103, Dallas, TX 75251March 03, 2008Full Service Brick and Mortar
    36478909Clifton Branch512 South Avenue G, Clifton, TX 76634June 02, 2008Full Service Brick and Mortar
    372024Crockett Branch415 E Goliad Ave, Crockett, TX 75835January 01, 1892Full Service Brick and Mortar
    38196106Richardson Branch1755 N Collins Blvd Ste 100, Richardson, TX 75080December 15, 1999Full Service Brick and Mortar
    39492998Uptown Branch4161 Mckinney Ave, Suite 101, Dallas, TX 75204September 08, 2008Full Service Brick and Mortar
    41493000Bay Area Branch251 Medical Center Blvd., Suite 101, Webster, TX 77598March 17, 2009Full Service Brick and Mortar
    43493002Cinco Ranch Branch23701 Cinco Ranch Blvd., Suite 100, Katy, TX 77494December 01, 2008Full Service Brick and Mortar

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