First National Bank of Lake Jackson in city_name, state_name

First National Bank of Lake Jackson in Lake Jackson, Texas (TX)
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First National Bank of Lake Jackson routing number info

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First National Bank of Lake Jackson - Overview

General
FDIC Certificate #: 18895
Status: Active
Federal Reserve ID: 560353
Bank Holding Company (Regulatory Top Holder): Austin Colony, Inc. (RSSDID: 1130829, Location: Lake Jackson, TX)
Date Established: September 26, 1963
WWW: http://www.fnblj.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: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 13238
FDIC's unique #: 12745
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: Mortgage Lending Specialization
Date of Deposit Insurance: September 26, 1963
Last Structure Change Effective Date: January 24, 2008
Last Structure Change Process Date: March 17, 2008
Last Data Update: March 17, 2008
Data Source Date: April 05, 2012
Location
Address: 122 West Way, Lake Jackson, TX 77566
County: Brazoria
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): Brazoria, TX (#1145)
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: $244.0 mil
Equity capital: $31.2 mil
Deposits held in domestic offices: $195.4 mil
Return on assets (ROA): 1.61% ($3.9 mil)
Quarterly return on assets: 1.77% ($4.3 mil)
Return on Equity (ROE): 13.43% ($4.2 mil)
Quarterly return on equity: 12.87% ($4.0 mil)
Net income: $3.8 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.61% ($3,927.6 mil)
Quarterly Pretax return on assets: 1.77% ($4,318.0 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
33Total employees (full-time equivalent)
$243,953Total assets
$40,786Cash and due from depository institutions
$34,023Interest-bearing balances
$180,062Securities
$500Federal funds sold & reverse repurchase agreements
$18,572Net loans & leases
$264Loan loss allowance
$0Trading account assets
$1,730Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$243,953Life insurance assets
$2,303All other assets
$212,707Total liabilities and capital
$195,416Total liabilities
$175,970Total deposits
$195,416Interest-bearing deposits
$44Deposits held in domestic offices
16851.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$440Subordinated debt
$31,246All other liabilities
$31,246Total equity capital
$31,246Total bank equity capital
$0Perpetual preferred stock
$220Common stock
$220Surplus
$30,806Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$34Income earned, not collected on loans
$0Earning assets
$911Long-term assets (5+ years)
$233,157Average Assets, year-to-date
$186,973Average Assets, quarterly
$234,830Volatile liabilities
$230,947Insider loans
$57,069FHLB advances
$216,363Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$23,123Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,812Restructured Loans and leases
$6,200Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,144Total interest income
$2,022Total interest expense
$6,122Net interest income
$0Provision for loan and lease losses
$432Total noninterest income
$0Fiduciary activities
$169Service charges on deposit accounts
$0Trading account gains & fees
$263Additional noninterest income
$2,888Total noninterest expense
$1,531Salaries and employee benefits
$348Premises and equipment expense
$1,009Additional noninterest expense
$3,666Pre-tax net operating income
$125Securities gains (losses)
$0Applicable income taxes
$3,791Income before extraordinary items
$0Extraordinary gains - net
$3,791Net income attributable to bank
$0Net charge-offs
$3,791Cash dividends
$5Sale, conversion, retirement of capital stock, net
$1,800Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.61%Yield on earning assets
0.90%Cost of funding earning assets
2.72%Net interest margin
0.19%Noninterest income to earning assets
1.28%Noninterest expense to earning assets
1.56%Net operating income to assets
1.61%Return on assets (ROA)
1.61%Pretax return on assets
13.43%Return on equity (ROE)
7.05%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
733.20%Efficiency ratio
44,065Assets per employee
7.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.48%Loss allowance to loans
1.40%Loss allowance to noncurrent loans
776.47%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.18%Net loans and leases to deposits
9.50%Net loans and leases to core deposits
11.37%Equity capital to assets
12.81%Core capital (leverage) ratio
10.69%Tier 1 risk-based capital ratio
40.52%Total risk-based capital ratio
Memoranda
$41Average assets
$234,830Average earning assets
$28,238Average equity
$225,406Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	12745	First National Bank Of Lake Jackson	122 West Way, Lake Jackson, TX 77566	September 26, 1963	Full Service Brick and Mortar
1	246745	Brazoria Branch	100 East Highway 332, Brazoria, TX 77422	October 30, 1991	Full Service Brick and Mortar

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

First National Bank of Lake Jackson - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

First National Bank of Lake Jackson - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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