Fort Hood National Bank in Fort Hood, Texas (TX)

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Fort Hood National Bank
GeneralFDIC Certificate #: 19640
Status: Active
Federal Reserve ID: 305750
Bank Holding Company (Regulatory Top Holder): First Community Bancshares, Inc. (RSSDID: 1108097, Location: Killeen, TX)
Date Established: October 17, 1966
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: 10 (Domestic: 10, Interstate: No)
FDIC's unique #: 13439
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: October 17, 1966
Last Structure Change Effective Date: April 01, 2010
Last Structure Change Process Date: April 09, 2010
Last Data Update: April 09, 2010
Data Source Date: April 05, 2012
LocationAddress: Tj Mills Boulevard Building 109, Fort Hood, TX 76544
County: Bell
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): Killeen-Temple, TX (#3810)
Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
History of ChangesChange in Location
Financial SummaryTotal assets: $222.3 mil
Equity capital: $20.7 mil
Deposits held in domestic offices: $193.8 mil
Return on assets (ROA): 0.65% ($1.4 mil)
Quarterly return on assets: 1.04% ($2.3 mil)
Return on Equity (ROE): 7.53% ($1.6 mil)
Quarterly return on equity: 11.54% ($2.4 mil)
Net income: $1.5 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 0.65% ($1,444.8 mil)
Quarterly Pretax return on assets: 1.04% ($2,311.7 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)117
Total assets$222,278
Cash and due from depository institutions$44,647
Interest-bearing balances$37,288
Federal funds sold & reverse repurchase agreements$2,010
Net loans & leases$35,060
Loan loss allowance $411
Trading account assets$0
Bank premises and fixed assets$950
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$4,406
Life insurance assets$222,278
Total liabilities and capital$201,619
Total liabilities$193,832
Total deposits$108,849
Interest-bearing deposits$193,832
Deposits held in domestic offices$100
% insured (estimated)5106.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,681
All other liabilities $20,659
Total equity capital$20,659
Total bank equity capital$20,659
Perpetual preferred stock$0
Common stock$700
Undivided profits $19,259
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 $23
Earning assets $0
Long-term assets (5+ years) $123
Average Assets, year-to-date $209,563
Average Assets, quarterly $133,190
Volatile liabilities $225,911
Insider loans $225,869
FHLB advances $48,730
Loans and leases held for sale $205,281
Unused loan commitments $2,924
Tier 1 (core) risk-based capital $2,924
Tier 2 risk-based capital $15,133
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,815
Total interest expense $398
Net interest income $6,417
Provision for loan and lease losses $280
Total noninterest income $21,146
Fiduciary activities $0
Service charges on deposit accounts $15,437
Trading account gains & fees $0
Additional noninterest income $5,709
Total noninterest expense $25,997
Salaries and employee benefits $4,682
Premises and equipment expense $1,877
Additional noninterest expense $19,438
Pre-tax net operating income $1,286
Securities gains (losses) $181
Applicable income taxes $0
Income before extraordinary items $1,467
Extraordinary gains - net $0
Net income attributable to bank $1,467
Net charge-offs $0
Cash dividends $1,467
Sale, conversion, retirement of capital stock, net $179
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.42%
Cost of funding earning assets 0.20%
Net interest margin 3.22%
Noninterest income to earning assets 10.60%
Noninterest expense to earning assets 13.03%
Net operating income to assets 0.57%
Return on assets (ROA) 0.65%
Pretax return on assets 0.65%
Return on equity (ROE) 7.53%
Retained earnings to average equity (YTD only) 7.53%
Net charge-offs to loans 0.71%
Credit loss provision to net charge-offs 156.42%
Efficiency ratio8.75%
Assets per employee$94,318
Cash dividends to net income (YTD only)1.90%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.16%
Noncurrent assets plus other real estate owned to assets 1786.96%
Noncurrent loans to loans 0.01%
Net loans and leases to deposits0.06%
Net loans and leases to core deposits 18.09%
Equity capital to assets 18.13%
Core capital (leverage) ratio 9.29%
Tier 1 risk-based capital ratio 7.37%
Total risk-based capital ratio 31.05%
Average assets$32
Average earning assets$225,911
Average equity $19,490
Average loans $199,535
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10 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
013439Fort Hood National BankTj Mills Boulevard Building 109, Fort Hood, TX 76544October 17, 1966Full Service Brick and Mortar
1249096Processing Center BranchBuilding 121 Headquarters Avenue, Fort Hood, TX 76544March 02, 1992Limited Service Administrative
2249097Finance In-Processing BranchBuilding 1853 Battalion Avenue, Fort Hood, TX 76544March 02, 1992Limited Service Administrative
3249098Clear Creek Branch - Rc 213Building 50005 Clear Creek Road, Fort Hood, TX 76544November 15, 1978Full Service Brick and Mortar
4249099Main Post Exchange Branch - Rc 214Building 50000 Clear Creek Road, Fort Hood, TX 76544June 05, 1995Full Service Retail
5249100Warrior Way Px Branch - Rc 21587030 Warrior Way, Fort Hood, TX 76544November 20, 1995Full Service Retail
7249102Warrior Way Branch - Rc 220Bldg 85006, Fort Hood, TX 76544October 21, 1998Full Service Brick and Mortar
8249103West Fort Hood - Rc217Bldg 91079, Fort Hood, TX 76544December 15, 1998Full Service Brick and Mortar
9419777Fhnb-Soldiers Center Branch - Rc 218Building 18010, Fort Hood, TX 76544March 17, 2003Full Service Retail
10519111Constitution Drive Branch210 Constitution Drive, Suite A, Copperas Cove, TX 76522April 15, 2011Full Service Brick and Mortar
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