First National Bank of Central Texas in Waco, Texas (TX)

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First National Bank of Central Texas routing number info

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First National Bank of Central Texas
GeneralFDIC Certificate #: 3325
Status: Active
Federal Reserve ID: 369659
Bank Holding Company (Regulatory Top Holder): Fct Bancshares, Inc. (RSSDID: 2348274, Location: Waco, TX)
Date Established: August 12, 1901
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: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 2151
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: January 01, 1934
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
LocationAddress: 1835 North Valley Mills Drive, Waco, TX 76712
County: Mclennan
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
Metropolitan Statistical Area (MSA): Waco, TX (#8800)
Core Based Statistical Area (CBSA): Waco, TX (#47380)
CBSA Metro Statistical Area: Waco, TX (#47380)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $608.3 mil
Equity capital: $49.8 mil
Deposits held in domestic offices: $543.3 mil
Return on assets (ROA): 1.83% ($11.1 mil)
Quarterly return on assets: 1.68% ($10.2 mil)
Return on Equity (ROE): 22.61% ($11.3 mil)
Quarterly return on equity: 20.62% ($10.3 mil)
Net income: $10.6 mil
Quarterly Net income: $2.5 mil
Pretax return on assets: 1.83% ($11,131.4 mil)
Quarterly Pretax return on assets: 1.68% ($10,219.0 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)
Total employees (full-time equivalent)97
Total assets$608,273
Cash and due from depository institutions$63,740
Interest-bearing balances$44,820
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$456,540
Loan loss allowance $6,533
Trading account assets$0
Bank premises and fixed assets$11,358
Other real estate owned$769
Goodwill and other intangibles$1,043
All other assets$13,996
Life insurance assets$608,273
Total liabilities and capital$558,495
Total liabilities$543,331
Total deposits$438,032
Interest-bearing deposits$543,331
Deposits held in domestic offices$76
% insured (estimated)9120.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $6,044
All other liabilities $49,778
Total equity capital$49,778
Total bank equity capital$49,778
Perpetual preferred stock$0
Common stock$250
Undivided profits $33,250
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,796
Earning assets $0
Long-term assets (5+ years) $2,096
Average Assets, year-to-date $562,187
Average Assets, quarterly $105,269
Volatile liabilities $579,830
Insider loans $593,826
FHLB advances $450,304
Loans and leases held for sale $590,604
Unused loan commitments $9,559
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $47,632
Total risk weighted assets $9,559
Total unused commitments $0
Restructured Loans and leases $69,254
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $26,387
Total interest expense $4,864
Net interest income $21,523
Provision for loan and lease losses $1,980
Total noninterest income $4,043
Fiduciary activities $0
Service charges on deposit accounts $1,877
Trading account gains & fees $0
Additional noninterest income $2,166
Total noninterest expense $13,402
Salaries and employee benefits $6,947
Premises and equipment expense $1,640
Additional noninterest expense $4,815
Pre-tax net operating income $10,184
Securities gains (losses) $430
Applicable income taxes $0
Income before extraordinary items $10,614
Extraordinary gains - net $0
Net income attributable to bank $10,614
Net charge-offs $0
Cash dividends $10,614
Sale, conversion, retirement of capital stock, net $300
Net operating income $7,269
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.94%
Cost of funding earning assets 0.91%
Net interest margin 4.03%
Noninterest income to earning assets 0.76%
Noninterest expense to earning assets 2.51%
Net operating income to assets 1.76%
Return on assets (ROA) 1.83%
Pretax return on assets 1.83%
Return on equity (ROE) 22.61%
Retained earnings to average equity (YTD only) 7.13%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 660.00%
Efficiency ratio40.55%
Assets per employee$52,421
Cash dividends to net income (YTD only)6.27%
Condition Ratios (%)
Loss allowance to loans 68.49%
Loss allowance to noncurrent loans 1.41%
Noncurrent assets plus other real estate owned to assets 233.66%
Noncurrent loans to loans 0.59%
Net loans and leases to deposits0.60%
Net loans and leases to core deposits 84.03%
Equity capital to assets 87.60%
Core capital (leverage) ratio 8.18%
Tier 1 risk-based capital ratio 8.06%
Total risk-based capital ratio 10.58%
Average assets$12
Average earning assets$579,830
Average equity $46,938
Average loans $534,653
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5 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02151First National Bank Of Central Texas1835 North Valley Mills Drive, Waco, TX 76712August 12, 1901Full Service Brick and Mortar
1196355Mart Branch501 Texas Avenue, Mart, TX 76664September 30, 1996Full Service Brick and Mortar
2266154Hillsboro Branch300 Elm, Hillsboro, TX 76645January 01, 1926Full Service Brick and Mortar
3429575China Spring Branch10332 China Spring Road, Waco, TX 76708April 12, 2004Full Service Brick and Mortar
4489975Woodway-Hewitt Branch7500 W. Woodway Drive, Waco, TX 76712Febuary 17, 2009Full Service Brick and Mortar
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