First Victoria National Bank in Victoria, Texas (TX)

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First Victoria National Bank
GeneralFDIC Certificate #: 5570
Status: Active
Federal Reserve ID: 488167
Bank Holding Company (Regulatory Top Holder): Mow/Rpw Ii, Ltd. (RSSDID: 3111082, Location: Victoria, TX)
Date Established: January 01, 1867
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 27 (Domestic: 27, Interstate: No)
OTS Docket #: 11570
FDIC's unique #: 3790
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: 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: 101 South Main Street, Victoria, TX 77901
County: Victoria
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Austin
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Victoria, TX (#8750)
Core Based Statistical Area (CBSA): Victoria, TX (#47020)
CBSA Metro Statistical Area: Victoria, TX (#47020)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $1,911.3 mil
Equity capital: $196.1 mil
Deposits held in domestic offices: $1,700.2 mil
Return on assets (ROA): 0.89% ($17.0 mil)
Quarterly return on assets: 0.86% ($16.4 mil)
Return on Equity (ROE): 8.79% ($17.2 mil)
Quarterly return on equity: 8.35% ($16.4 mil)
Net income: $16.2 mil
Quarterly Net income: $4.1 mil
Pretax return on assets: 1.27% ($24,273.2 mil)
Quarterly Pretax return on assets: 1.22% ($23,317.6 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)509
Total assets$1,911,275
Cash and due from depository institutions$199,364
Interest-bearing balances$162,841
Federal funds sold & reverse repurchase agreements$7,181
Net loans & leases$1,303,778
Loan loss allowance $24,022
Trading account assets$0
Bank premises and fixed assets$49,745
Other real estate owned$3,498
Goodwill and other intangibles$28,446
All other assets$53,088
Life insurance assets$1,911,275
Total liabilities and capital$1,715,139
Total liabilities$1,700,211
Total deposits$1,323,677
Interest-bearing deposits$1,700,211
Deposits held in domestic offices$72
% insured (estimated)3400.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $11,528
All other liabilities $196,136
Total equity capital$196,136
Total bank equity capital$196,136
Perpetual preferred stock$0
Common stock$5,932
Undivided profits $101,608
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 $16,372
Earning assets $0
Long-term assets (5+ years) $6,987
Average Assets, year-to-date $1,739,975
Average Assets, quarterly $515,921
Volatile liabilities $1,809,019
Insider loans $1,894,433
FHLB advances $1,359,157
Loans and leases held for sale $1,849,749
Unused loan commitments $34,669
Tier 1 (core) risk-based capital $187
Tier 2 risk-based capital $163,834
Total risk weighted assets $24,077
Total unused commitments $10,405
Restructured Loans and leases $324,147
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $79,736
Total interest expense $11,849
Net interest income $67,887
Provision for loan and lease losses $7,100
Total noninterest income $24,424
Fiduciary activities $3,223
Service charges on deposit accounts $13,667
Trading account gains & fees $0
Additional noninterest income $7,534
Total noninterest expense $62,424
Salaries and employee benefits $36,018
Premises and equipment expense $7,964
Additional noninterest expense $18,442
Pre-tax net operating income $22,787
Securities gains (losses) $272
Applicable income taxes $6,891
Income before extraordinary items $16,168
Extraordinary gains - net $0
Net income attributable to bank $16,168
Net charge-offs $0
Cash dividends $16,168
Sale, conversion, retirement of capital stock, net $5,249
Net operating income $13,363
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.84%
Cost of funding earning assets 0.72%
Net interest margin 4.12%
Noninterest income to earning assets 1.48%
Noninterest expense to earning assets 3.79%
Net operating income to assets 0.88%
Return on assets (ROA) 0.89%
Pretax return on assets 1.27%
Return on equity (ROE) 8.79%
Retained earnings to average equity (YTD only) 1.53%
Net charge-offs to loans 0.40%
Credit loss provision to net charge-offs 135.26%
Efficiency ratio5.69%
Assets per employee$66,935
Cash dividends to net income (YTD only)3.75%
Condition Ratios (%)
Loss allowance to loans 82.65%
Loss allowance to noncurrent loans 1.81%
Noncurrent assets plus other real estate owned to assets 146.73%
Noncurrent loans to loans 1.04%
Net loans and leases to deposits1.23%
Net loans and leases to core deposits 76.68%
Equity capital to assets 81.45%
Core capital (leverage) ratio 10.26%
Tier 1 risk-based capital ratio 8.86%
Total risk-based capital ratio 12.05%
Average assets$13
Average earning assets$1,809,019
Average equity $183,890
Average loans $1,646,311
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$563,102
Number of Accounts1
Personal trust and agency accounts$520,401
Employee benefit-defined contribution accounts$184,115
Employee benefit-defined benefit accounts$117,991
Other retirement accounts$375
Corporate trust and agency accounts$36,680
Investment management agency accounts$0
Other fiduciary accounts$181,240
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts834
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$36,380
Employee benefit-defined benefit accounts$0
Other retirement accounts$42,701
Corporate trust and agency accounts$916
Other fiduciary accounts$8,442
Fiduciary accounts held in foreign offices$13,957
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27 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03790First Victoria National Bank101 South Main Street, Victoria, TX 77901January 01, 1867Full Service Brick and Mortar
1207837Colony Creek Branch1206 North John Stockbauer Drive, Victoria, TX 77901October 05, 1988Full Service Brick and Mortar
2207838North Branch7001 Northeast Zac Lentz Parkway, Victoria, TX 77904August 02, 1993Full Service Brick and Mortar
4207840Port Lavaca Branch618 Virginia, Port Lavaca, TX 77979Febuary 15, 1996Full Service Brick and Mortar
53768Taft Branch421 Green Avenue, Taft, TX 78390January 06, 1923Full Service Brick and Mortar
643884Edna Branch601 North Wells, Edna, TX 77957January 01, 1958Full Service Brick and Mortar
86622New Waverly Branch102 W. Highway 1375, New Waverly, TX 77358January 01, 1907Full Service Brick and Mortar
9272298Huntsville Branch2033 11th Street, Huntsville, TX 77340July 01, 1934Full Service Brick and Mortar
10222297The Woodlands Branch25661 Interstate 45 North, The Woodlands, TX 77380September 03, 1996Full Service Brick and Mortar
116632Hearne Branch122 West Fourth Street, Hearne, TX 77859January 01, 1907Full Service Brick and Mortar
1244639College Station Branch410 Southwest Parkway E., College Station, TX 77840January 01, 1973Full Service Brick and Mortar
13285992Bryan Branch3710 East 29th Street, Bryan, TX 77802January 01, 1973Full Service Brick and Mortar
15452513Rockport Branch1629 Highway 35 North, Rockport, TX 78382June 30, 2006Full Service Brick and Mortar
16455411Corpus Christi - Mann Branch400 Mann Street, Corpus Christi, TX 78401September 11, 2006Full Service Brick and Mortar
17457662Bryan - Tejas Center Branch601 East Villa Maria, Bryan, TX 77802December 28, 2006Full Service Brick and Mortar
18469121Corpus Christi - Timbergate Branch6670 South Staples Street, Corpus Christi, TX 78413October 04, 2007Full Service Brick and Mortar
19469165Magnolia - Parkway Branch6302 Fm 1488, Magnolia, TX 77354October 12, 2007Full Service Brick and Mortar
20469486Cinco Ranch Branch5005 Mason Road, Katy, TX 77450October 29, 2007Full Service Brick and Mortar
21492697Navarro Center Branch8811 North Navarro, Victoria, TX 77904August 11, 2008Full Service Brick and Mortar
22492698College Station - Crescent Pointe Br1004 Copperfield Parkway, College Station, TX 77845June 30, 2009Full Service Brick and Mortar
23492699Magnolia- Bend Branch18415 Fm 1488, Magnolia, TX 77354June 30, 2009Full Service Brick and Mortar
24492700Calallen Branch14201 Northwest Blvd., Corpus Christi, TX 78410June 30, 2009Full Service Brick and Mortar
25498651Waterside Kroger Branch8011 West Grand Parkway South, Richmond, TX 77407October 09, 2009Full Service Brick and Mortar
26500332Rosenberg Kroger Branch24401 Brazos Town Crossing, Rosenberg, TX 77471December 04, 2009Full Service Brick and Mortar
27510606Spring Branch6030 Fm 2920, Spring, TX 77379Febuary 16, 2010Full Service Brick and Mortar
28513458College Station - Tower Point Branch1298 Arrington Rd, College Station, TX 77845September 20, 2010Full Service Brick and Mortar
29525936Rosenberg Branch7415 Reading Rd, Rosenberg, TX 77469August 11, 2011Full Service Brick and Mortar
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