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

This bank is inactive as of September 24, 2005

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

  • General
  • FDIC Certificate #: 34049
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Wells Fargo Bank, National Association (#3511)
    Federal Reserve ID: 2328230
    Date Established: August 17, 1995
    WWW: http://www.firstcommunitybank.net
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 17 (Interstate: No)
    FDIC's unique #: 56128
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: August 17, 1995
    Last Structure Change Effective Date: September 24, 2005
    Last Structure Change Process Date: October 13, 2005
    Last Data Update: October 13, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 14200 Gulf Freeway, Houston, TX 77034
    County: Harris
    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)
  • Financial Summary
  • Total assets: $564.4 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, 2004)

  • Dollar figures in thousands
  • 196Total employees (full-time equivalent)
  • $569,632Total assets
  • $29,888Cash and due from depository institutions
  • $3,259Interest-bearing balances
  • $90,825Securities
  • $2,692Federal funds sold & reverse repurchase agreements
  • $398,498Net loans & leases
  • $3,730Loan loss allowance
  • $0Trading account assets
  • $11,160Bank premises and fixed assets
  • $2,164Other real estate owned
  • $14,237Goodwill and other intangibles
  • $0Life insurance assets
  • $20,168All other assets
  • $569,632Total liabilities and capital
  • $517,227Total liabilities
  • $456,513Total deposits
  • $316,461Interest-bearing deposits
  • $456,513Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $58,740Other borrowed funds
  • $0Subordinated debt
  • $1,974All other liabilities
  • $52,405Total equity capital
  • $52,405Total bank equity capital
  • $52,405Perpetual preferred stock
  • $0Common stock
  • $5,804Surplus
  • $36,697Undivided profits
  • Memoranda
  • $9,904Noncurrent loans and leases
  • $73,400Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,325Earning assets
  • $406Long-term assets (5+ years)
  • $2,294Average Assets, year-to-date
  • $495,274Average Assets, quarterly
  • $98,600Volatile liabilities
  • $524,134Insider loans
  • $564,065FHLB advances
  • $149,985Loans and leases held for sale
  • $5,757Unused loan commitments
  • $58,740Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $73,400Total unused commitments
  • $0Restructured Loans and leases
  • $3,730Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $28,463Total interest income
  • $6,556Total interest expense
  • $21,907Net interest income
  • $1,975Provision for loan and lease losses
  • $4,923Total noninterest income
  • $0Fiduciary activities
  • $4,159Service charges on deposit accounts
  • $0Trading account gains & fees
  • $764Additional noninterest income
  • $21,554Total noninterest expense
  • $10,325Salaries and employee benefits
  • $3,907Premises and equipment expense
  • $7,322Additional noninterest expense
  • $3,301Pre-tax net operating income
  • $113Securities gains (losses)
  • $787Applicable income taxes
  • $2,627Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,627Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,629Sale, conversion, retirement of capital stock, net
  • $1,710Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.26%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 4.82%Net interest margin
  • 1.08%Noninterest income to earning assets
  • 4.74%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 5.38%Return on equity (ROE)
  • 1.88%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 121.24%Credit loss provision to net charge-offs
  • 3.24%Efficiency ratio
  • 78,420Assets per employee
  • 2.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.09%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 112.18%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 0.83%Net loans and leases to deposits
  • 87.29%Net loans and leases to core deposits
  • 109.42%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 7.07%Tier 1 risk-based capital ratio
  • 8.95%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $524,134Average earning assets
  • $48,871Average equity
  • $454,856Average loans

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