Fort Hood National Bank in Fort Hood, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Fort Hood National Bank in Fort Hood, Texas (TX)
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Fort Hood National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 117Total employees (full-time equivalent)
  • $222,278Total assets
  • $44,647Cash and due from depository institutions
  • $37,288Interest-bearing balances
  • $135,205Securities
  • $2,010Federal funds sold & reverse repurchase agreements
  • $35,060Net loans & leases
  • $411Loan loss allowance
  • $0Trading account assets
  • $950Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $222,278Life insurance assets
  • $4,406All other assets
  • $201,619Total liabilities and capital
  • $193,832Total liabilities
  • $108,849Total deposits
  • $193,832Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 5106.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,681Subordinated debt
  • $20,659All other liabilities
  • $20,659Total equity capital
  • $20,659Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $700Surplus
  • $19,259Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $23Income earned, not collected on loans
  • $0Earning assets
  • $123Long-term assets (5+ years)
  • $209,563Average Assets, year-to-date
  • $133,190Average Assets, quarterly
  • $225,911Volatile liabilities
  • $225,869Insider loans
  • $48,730FHLB advances
  • $205,281Loans and leases held for sale
  • $2,924Unused loan commitments
  • $2,924Tier 1 (core) risk-based capital
  • $15,133Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,815Total interest income
  • $398Total interest expense
  • $6,417Net interest income
  • $280Provision for loan and lease losses
  • $21,146Total noninterest income
  • $0Fiduciary activities
  • $15,437Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,709Additional noninterest income
  • $25,997Total noninterest expense
  • $4,682Salaries and employee benefits
  • $1,877Premises and equipment expense
  • $19,438Additional noninterest expense
  • $1,286Pre-tax net operating income
  • $181Securities gains (losses)
  • $0Applicable income taxes
  • $1,467Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,467Net income attributable to bank
  • $0Net charge-offs
  • $1,467Cash dividends
  • $179Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.42%Yield on earning assets
  • 0.20%Cost of funding earning assets
  • 3.22%Net interest margin
  • 10.60%Noninterest income to earning assets
  • 13.03%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 7.53%Return on equity (ROE)
  • 7.53%Retained earnings to average equity (YTD only)
  • 0.71%Net charge-offs to loans
  • 156.42%Credit loss provision to net charge-offs
  • 8.75%Efficiency ratio
  • 94,318Assets per employee
  • 1.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 1786.96%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.06%Net loans and leases to deposits
  • 18.09%Net loans and leases to core deposits
  • 18.13%Equity capital to assets
  • 9.29%Core capital (leverage) ratio
  • 7.37%Tier 1 risk-based capital ratio
  • 31.05%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $225,911Average earning assets
  • $19,490Average equity
  • $199,535Average loans

List of branches

  • 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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