First National Bank of Colorado City in Colorado City, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Colorado City - Overview

  • General
  • FDIC Certificate #: 24181
    Status: Active
    Federal Reserve ID: 680952
    Date Established: October 29, 1982
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 16835
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: October 29, 1982
    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: 2225 Hickory, Colorado City, TX 79512
    County: Mitchell
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $42.7 mil
    Equity capital: $3.8 mil
    Deposits held in domestic offices: $38.6 mil
    Return on assets (ROA): 0.41% ($0.2 mil)
    Quarterly return on assets: 0.46% ($0.2 mil)
    Return on Equity (ROE): 4.72% ($0.2 mil)
    Quarterly return on equity: 5.06% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.48% ($205.2 mil)
    Quarterly Pretax return on assets: 0.20% ($85.5 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
  • 9Total employees (full-time equivalent)
  • $42,747Total assets
  • $7,282Cash and due from depository institutions
  • $82Interest-bearing balances
  • $17,066Securities
  • $3,925Federal funds sold & reverse repurchase agreements
  • $13,666Net loans & leases
  • $71Loan loss allowance
  • $0Trading account assets
  • $380Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $42,747Life insurance assets
  • $428All other assets
  • $38,949Total liabilities and capital
  • $38,622Total liabilities
  • $32,676Total deposits
  • $38,622Interest-bearing deposits
  • $55Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $327Subordinated debt
  • $3,798All other liabilities
  • $3,798Total equity capital
  • $3,798Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $750Surplus
  • $2,298Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $25Income earned, not collected on loans
  • $0Earning assets
  • $212Long-term assets (5+ years)
  • $34,739Average Assets, year-to-date
  • $18,061Average Assets, quarterly
  • $42,359Volatile liabilities
  • $42,114Insider loans
  • $11,349FHLB advances
  • $43,052Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,548Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $834Restructured Loans and leases
  • $477Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,100Total interest income
  • $104Total interest expense
  • $996Net interest income
  • $12Provision for loan and lease losses
  • $234Total noninterest income
  • $0Fiduciary activities
  • $199Service charges on deposit accounts
  • $0Trading account gains & fees
  • $35Additional noninterest income
  • $1,013Total noninterest expense
  • $427Salaries and employee benefits
  • $73Premises and equipment expense
  • $513Additional noninterest expense
  • $205Pre-tax net operating income
  • $0Securities gains (losses)
  • $32Applicable income taxes
  • $173Income before extraordinary items
  • $0Extraordinary gains - net
  • $173Net income attributable to bank
  • $0Net charge-offs
  • $173Cash dividends
  • $15Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.08%Yield on earning assets
  • 0.29%Cost of funding earning assets
  • 2.79%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 4.72%Return on equity (ROE)
  • 4.72%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 80.00%Credit loss provision to net charge-offs
  • 14.47%Efficiency ratio
  • 82,358Assets per employee
  • 4.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.52%Loss allowance to noncurrent loans
  • 284.00%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 35.38%Net loans and leases to core deposits
  • 35.62%Equity capital to assets
  • 8.88%Core capital (leverage) ratio
  • 8.24%Tier 1 risk-based capital ratio
  • 31.26%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $42,359Average earning assets
  • $3,663Average equity
  • $35,712Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016835First National Bank Of Colorado City2225 Hickory, Colorado City, TX 79512October 29, 1982Full Service Brick and Mortar

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