FirstCapital Bank of Texas, National Association in Midland, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • FirstCapital Bank of Texas, National Association in Midland, Texas (TX)
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FirstCapital Bank of Texas, National Association - Overview

  • General
  • FDIC Certificate #: 35028
    Status: Active
    Federal Reserve ID: 2746263
    Bank Holding Company (Regulatory Top Holder): First Bancshares Of Texas, Inc. (RSSDID: 3121344, Location: Midland, TX)
    Date Established: November 17, 1998
    WWW: http://www.fcbtexas.com
    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: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 73852
    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: November 17, 1998
    Last Structure Change Effective Date: July 01, 2010
    Last Structure Change Process Date: July 28, 2010
    Last Data Update: July 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 310 West Wall Street, Suite 100, Midland, TX 79701
    County: Midland
    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
    Metropolitan Statistical Area (MSA): Odessa-Midland, TX (#5800)
    Combined Statistical Area (CSA): Midland-Odessa, TX (#372)
    Core Based Statistical Area (CBSA): Midland, TX (#33260)
    CBSA Metro Statistical Area: Midland, TX (#33260)
  • History of Changes
  • Corrections
    Name Change
  • Financial Summary
  • Total assets: $593.5 mil
    Equity capital: $50.3 mil
    Deposits held in domestic offices: $539.3 mil
    Return on assets (ROA): 0.91% ($5.4 mil)
    Quarterly return on assets: 1.10% ($6.5 mil)
    Return on Equity (ROE): 11.00% ($5.5 mil)
    Quarterly return on equity: 12.98% ($6.5 mil)
    Net income: $5.0 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 1.31% ($7,775.3 mil)
    Quarterly Pretax return on assets: 1.60% ($9,496.6 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
  • 131Total employees (full-time equivalent)
  • $593,537Total assets
  • $135,793Cash and due from depository institutions
  • $123,341Interest-bearing balances
  • $64,075Securities
  • $14,631Federal funds sold & reverse repurchase agreements
  • $356,321Net loans & leases
  • $4,612Loan loss allowance
  • $0Trading account assets
  • $9,318Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $593,537Life insurance assets
  • $13,399All other assets
  • $543,221Total liabilities and capital
  • $539,345Total liabilities
  • $373,608Total deposits
  • $539,345Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 2684.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,192Subordinated debt
  • $50,316All other liabilities
  • $50,316Total equity capital
  • $50,316Total bank equity capital
  • $0Perpetual preferred stock
  • $3,096Common stock
  • $29,046Surplus
  • $18,174Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $14,349Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $922Income earned, not collected on loans
  • $0Earning assets
  • $1,999Long-term assets (5+ years)
  • $558,368Average Assets, year-to-date
  • $96,989Average Assets, quarterly
  • $547,134Volatile liabilities
  • $582,590Insider loans
  • $401,939FHLB advances
  • $578,829Loans and leases held for sale
  • $7,214Unused loan commitments
  • $7,214Tier 1 (core) risk-based capital
  • $49,409Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $78,053Restructured Loans and leases
  • $24,608Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,650Total interest income
  • $2,726Total interest expense
  • $19,924Net interest income
  • $1,700Provision for loan and lease losses
  • $4,586Total noninterest income
  • $408Fiduciary activities
  • $542Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,636Additional noninterest income
  • $15,709Total noninterest expense
  • $9,000Salaries and employee benefits
  • $2,338Premises and equipment expense
  • $4,371Additional noninterest expense
  • $7,101Pre-tax net operating income
  • $60Securities gains (losses)
  • $2,160Applicable income taxes
  • $5,001Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,001Net income attributable to bank
  • $0Net charge-offs
  • $5,001Cash dividends
  • $570Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 11.00%Return on equity (ROE)
  • 11.00%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 298.25%Credit loss provision to net charge-offs
  • 15.44%Efficiency ratio
  • 64,092Assets per employee
  • 4.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 500.22%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 66.07%Net loans and leases to core deposits
  • 85.04%Equity capital to assets
  • 8.48%Core capital (leverage) ratio
  • 8.54%Tier 1 risk-based capital ratio
  • 12.29%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $547,134Average earning assets
  • $45,463Average equity
  • $516,750Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $20,449Managed Assets
  • 1Number of Accounts
  • $16,438Personal trust and agency accounts
  • $14,892Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $233Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,313Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 32Number of Accounts
  • $0Personal trust and agency accounts
  • $233Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,011Other retirement accounts
  • $1Corporate trust and agency accounts
  • $3,420Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    073852Firstcapital Bank Of Texas, National Association310 West Wall Street, Suite 100, Midland, TX 79701November 17, 1998Full Service Brick and Mortar
    1360593Midland North Branch3708 North Big Spring, Midland, TX 79705September 05, 2000Full Service Brick and Mortar
    2418831Downtown Amarillo Branch620 South Taylor Road, Amarillo, TX 79101January 13, 2003Full Service Brick and Mortar
    3418841West Branch5606 West Wadley, Midland, TX 79701December 04, 2002Full Service Brick and Mortar
    4448007A Street Branch300 North A Street, Midland, TX 79701January 17, 2006Full Service Brick and Mortar
    5453342Hillside Branch7100 Hillside, Amarillo, TX 79109April 10, 2006Full Service Brick and Mortar
    6465874Lubbock Branch6811 Indiana Ave., Lubbock, TX 79413March 28, 2007Full Service Brick and Mortar

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