First National Bank of Colorado City in Colorado City, Texas (TX)



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First National Bank of Colorado City routing number info

Table of contents:
First National Bank of Colorado City
GeneralFDIC Certificate #: 24181
Status: Active
Federal Reserve ID: 680952
Date Established: October 29, 1982
WWW: http://www.fnbccity.com
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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)9
Total assets$42,747
Cash and due from depository institutions$7,282
Interest-bearing balances$82
Securities$17,066
Federal funds sold & reverse repurchase agreements$3,925
Net loans & leases$13,666
Loan loss allowance $71
Trading account assets$0
Bank premises and fixed assets$380
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$428
Life insurance assets$42,747
Total liabilities and capital$38,949
Total liabilities$38,622
Total deposits$32,676
Interest-bearing deposits$38,622
Deposits held in domestic offices$55
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $327
All other liabilities $3,798
Total equity capital$3,798
Total bank equity capital$3,798
Perpetual preferred stock$0
Common stock$750
Surplus$750
Undivided profits $2,298
Memoranda
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 $25
Earning assets $0
Long-term assets (5+ years) $212
Average Assets, year-to-date $34,739
Average Assets, quarterly $18,061
Volatile liabilities $42,359
Insider loans $42,114
FHLB advances $11,349
Loans and leases held for sale $43,052
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,548
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $834
Derivatives$477
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,100
Total interest expense $104
Net interest income $996
Provision for loan and lease losses $12
Total noninterest income $234
Fiduciary activities $0
Service charges on deposit accounts $199
Trading account gains & fees $0
Additional noninterest income $35
Total noninterest expense $1,013
Salaries and employee benefits $427
Premises and equipment expense $73
Additional noninterest expense $513
Pre-tax net operating income $205
Securities gains (losses) $0
Applicable income taxes $32
Income before extraordinary items $173
Extraordinary gains - net $0
Net income attributable to bank $173
Net charge-offs $0
Cash dividends $173
Sale, conversion, retirement of capital stock, net $15
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.08%
Cost of funding earning assets 0.29%
Net interest margin 2.79%
Noninterest income to earning assets 0.66%
Noninterest expense to earning assets 2.84%
Net operating income to assets 0.41%
Return on assets (ROA) 0.41%
Pretax return on assets 0.48%
Return on equity (ROE) 4.72%
Retained earnings to average equity (YTD only) 4.72%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 80.00%
Efficiency ratio14.47%
Assets per employee$82,358
Cash dividends to net income (YTD only)4.75%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.52%
Noncurrent assets plus other real estate owned to assets 284.00%
Noncurrent loans to loans 0.06%
Net loans and leases to deposits0.18%
Net loans and leases to core deposits 35.38%
Equity capital to assets 35.62%
Core capital (leverage) ratio 8.88%
Tier 1 risk-based capital ratio 8.24%
Total risk-based capital ratio 31.26%
Memoranda
Average assets$32
Average earning assets$42,359
Average equity $3,663
Average loans $35,712
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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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