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

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First National Bank of Lake Jackson
GeneralFDIC 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
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)33
Total assets$243,953
Cash and due from depository institutions$40,786
Interest-bearing balances$34,023
Federal funds sold & reverse repurchase agreements$500
Net loans & leases$18,572
Loan loss allowance $264
Trading account assets$0
Bank premises and fixed assets$1,730
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,303
Life insurance assets$243,953
Total liabilities and capital$212,707
Total liabilities$195,416
Total deposits$175,970
Interest-bearing deposits$195,416
Deposits held in domestic offices$44
% insured (estimated)16851.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $440
All other liabilities $31,246
Total equity capital$31,246
Total bank equity capital$31,246
Perpetual preferred stock$0
Common stock$220
Undivided profits $30,806
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 $34
Earning assets $0
Long-term assets (5+ years) $911
Average Assets, year-to-date $233,157
Average Assets, quarterly $186,973
Volatile liabilities $234,830
Insider loans $230,947
FHLB advances $57,069
Loans and leases held for sale $216,363
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $23,123
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,812
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,144
Total interest expense $2,022
Net interest income $6,122
Provision for loan and lease losses $0
Total noninterest income $432
Fiduciary activities $0
Service charges on deposit accounts $169
Trading account gains & fees $0
Additional noninterest income $263
Total noninterest expense $2,888
Salaries and employee benefits $1,531
Premises and equipment expense $348
Additional noninterest expense $1,009
Pre-tax net operating income $3,666
Securities gains (losses) $125
Applicable income taxes $0
Income before extraordinary items $3,791
Extraordinary gains - net $0
Net income attributable to bank $3,791
Net charge-offs $0
Cash dividends $3,791
Sale, conversion, retirement of capital stock, net $5
Net operating income $1,800
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.61%
Cost of funding earning assets 0.90%
Net interest margin 2.72%
Noninterest income to earning assets 0.19%
Noninterest expense to earning assets 1.28%
Net operating income to assets 1.56%
Return on assets (ROA) 1.61%
Pretax return on assets 1.61%
Return on equity (ROE) 13.43%
Retained earnings to average equity (YTD only) 7.05%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio733.20%
Assets per employee$44,065
Cash dividends to net income (YTD only)7.39%
Condition Ratios (%)
Loss allowance to loans 47.48%
Loss allowance to noncurrent loans 1.40%
Noncurrent assets plus other real estate owned to assets 776.47%
Noncurrent loans to loans 0.01%
Net loans and leases to deposits0.18%
Net loans and leases to core deposits 9.50%
Equity capital to assets 11.37%
Core capital (leverage) ratio 12.81%
Tier 1 risk-based capital ratio 10.69%
Total risk-based capital ratio 40.52%
Average assets$41
Average earning assets$234,830
Average equity $28,238
Average loans $225,406
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2 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
012745First National Bank Of Lake Jackson122 West Way, Lake Jackson, TX 77566September 26, 1963Full Service Brick and Mortar
1246745Brazoria Branch100 East Highway 332, Brazoria, TX 77422October 30, 1991Full Service Brick and Mortar
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