First Federal Community Bank in Paris, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Community Bank in Paris, Texas (TX)
  • Show street view No street view available for this location

First Federal Community Bank - Overview

  • General
  • FDIC Certificate #: 27678
    Status: Active
    Federal Reserve ID: 898579
    Date Established: January 01, 1922
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 100
    FDIC's unique #: 40512
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 10, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 630 Clarksville St, Paris, TX 75460
    County: Lamar
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Paris, TX (#37580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $353.1 mil
    Equity capital: $32.5 mil
    Deposits held in domestic offices: $307.9 mil
    Return on assets (ROA): 0.45% ($1.6 mil)
    Quarterly return on assets: 0.82% ($2.9 mil)
    Return on Equity (ROE): 5.18% ($1.7 mil)
    Quarterly return on equity: 9.05% ($2.9 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.67% ($2,366.0 mil)
    Quarterly Pretax return on assets: 1.21% ($4,272.8 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
  • 95Total employees (full-time equivalent)
  • $353,127Total assets
  • $14,001Cash and due from depository institutions
  • $11,805Interest-bearing balances
  • $28,750Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $284,593Net loans & leases
  • $4,232Loan loss allowance
  • $0Trading account assets
  • $10,298Bank premises and fixed assets
  • $2,105Other real estate owned
  • $0Goodwill and other intangibles
  • $353,126Life insurance assets
  • $13,380All other assets
  • $320,627Total liabilities and capital
  • $307,909Total liabilities
  • $295,513Total deposits
  • $307,909Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,154Trading liabilities
  • $0Other borrowed funds
  • $1,564Subordinated debt
  • $32,499All other liabilities
  • $32,499Total equity capital
  • $32,499Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $32,499Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,092Income earned, not collected on loans
  • $0Earning assets
  • $1,722Long-term assets (5+ years)
  • $325,148Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $355,994Volatile liabilities
  • $356,015Insider loans
  • $225,866FHLB advances
  • $353,061Loans and leases held for sale
  • $6,680Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,433Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,331Restructured Loans and leases
  • $2,488Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,126Total interest income
  • $5,008Total interest expense
  • $14,118Net interest income
  • $3,224Provision for loan and lease losses
  • $1,898Total noninterest income
  • $0Fiduciary activities
  • $1,326Service charges on deposit accounts
  • $0Trading account gains & fees
  • $572Additional noninterest income
  • $10,566Total noninterest expense
  • $6,093Salaries and employee benefits
  • $2,363Premises and equipment expense
  • $2,110Additional noninterest expense
  • $2,226Pre-tax net operating income
  • $157Securities gains (losses)
  • $769Applicable income taxes
  • $1,614Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,614Net income attributable to bank
  • $0Net charge-offs
  • $1,614Cash dividends
  • -$287Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.85%Yield on earning assets
  • 1.53%Cost of funding earning assets
  • 4.32%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 5.18%Return on equity (ROE)
  • 5.18%Retained earnings to average equity (YTD only)
  • -0.10%Net charge-offs to loans
  • -1123.34%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,972Assets per employee
  • 3.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 103.42%Noncurrent assets plus other real estate owned to assets
  • 1.73%Noncurrent loans to loans
  • 1.42%Net loans and leases to deposits
  • 92.43%Net loans and leases to core deposits
  • 100.96%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 9.19%Tier 1 risk-based capital ratio
  • 14.36%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $355,994Average earning assets
  • $31,175Average equity
  • $326,808Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040512First Federal Community Bank630 Clarksville St, Paris, TX 75460January 01, 1922Full Service Brick and Mortar
    22628131902 W Main1902 W Main, Clarksville, TX 75426January 01, 1922Full Service Brick and Mortar
    100262814Mount Pleasant Branch805 North Madison, Mount Pleasant, TX 75455June 30, 1988Full Service Brick and Mortar
    101463837Paris Branch3010 Ne Loop 286, Paris, TX 75460October 01, 1999Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First Federal Community Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents