FirstCapital Bank of Texas, National Association in city_name, state_name

FirstCapital Bank of Texas, National Association in Midland, Texas (TX)
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FirstCapital Bank of Texas, National Association routing number info

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

No	ID	Name	Address	Established	Service Type
0	73852	Firstcapital Bank Of Texas, National Association	310 West Wall Street, Suite 100, Midland, TX 79701	November 17, 1998	Full Service Brick and Mortar
1	360593	Midland North Branch	3708 North Big Spring, Midland, TX 79705	September 05, 2000	Full Service Brick and Mortar
2	418831	Downtown Amarillo Branch	620 South Taylor Road, Amarillo, TX 79101	January 13, 2003	Full Service Brick and Mortar
3	418841	West Branch	5606 West Wadley, Midland, TX 79701	December 04, 2002	Full Service Brick and Mortar
4	448007	A Street Branch	300 North A Street, Midland, TX 79701	January 17, 2006	Full Service Brick and Mortar
5	453342	Hillside Branch	7100 Hillside, Amarillo, TX 79109	April 10, 2006	Full Service Brick and Mortar
6	465874	Lubbock Branch	6811 Indiana Ave., Lubbock, TX 79413	March 28, 2007	Full Service Brick and Mortar

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

FirstCapital Bank of Texas, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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

FirstCapital Bank of Texas, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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