Texas Community Bank, National Association in The Woodlands, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Texas Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 57431
    Status: Active
    Federal Reserve ID: 3135097
    Bank Holding Company (Regulatory Top Holder): Tcb Holding Company (RSSDID: 3345225, Location: The Woodlands, TX)
    Date Established: September 10, 2002
    WWW: http://www.txcbtw.com
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 363540
    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: September 10, 2002
    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
  • Location
  • Address: 16610 Interstate 45, The Woodlands, TX 77384
    County: Montgomery
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $248.9 mil
    Equity capital: $26.0 mil
    Deposits held in domestic offices: $210.6 mil
    Return on assets (ROA): -1.62% (-$4.0 mil)
    Quarterly return on assets: -0.86% (-$2.1 mil)
    Return on Equity (ROE): -19.13% (-$5.0 mil)
    Quarterly return on equity: -9.51% (-$2.5 mil)
    Net income: -$5.4 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -1.56% (-$3,883.1 mil)
    Quarterly Pretax return on assets: -0.59% (-$1,468.6 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
  • 44Total employees (full-time equivalent)
  • $248,918Total assets
  • $15,864Cash and due from depository institutions
  • $12,405Interest-bearing balances
  • $10,593Securities
  • $6,838Federal funds sold & reverse repurchase agreements
  • $185,357Net loans & leases
  • $4,274Loan loss allowance
  • $0Trading account assets
  • $2,159Bank premises and fixed assets
  • $21,302Other real estate owned
  • $0Goodwill and other intangibles
  • $248,918Life insurance assets
  • $6,805All other assets
  • $222,929Total liabilities and capital
  • $210,608Total liabilities
  • $189,857Total deposits
  • $210,608Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $10,000Other borrowed funds
  • $2,321Subordinated debt
  • $25,989All other liabilities
  • $25,989Total equity capital
  • $25,989Total bank equity capital
  • $0Perpetual preferred stock
  • $12,759Common stock
  • $24,489Surplus
  • $-11,259Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,160Income earned, not collected on loans
  • $0Earning assets
  • $1,003Long-term assets (5+ years)
  • $215,193Average Assets, year-to-date
  • $15,454Average Assets, quarterly
  • $330,326Volatile liabilities
  • $289,944Insider loans
  • $205,236FHLB advances
  • $278,944Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,787Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,170Restructured Loans and leases
  • $252Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,767Total interest income
  • $3,915Total interest expense
  • $11,852Net interest income
  • $1,982Provision for loan and lease losses
  • $498Total noninterest income
  • $0Fiduciary activities
  • $304Service charges on deposit accounts
  • $0Trading account gains & fees
  • $194Additional noninterest income
  • $15,619Total noninterest expense
  • $5,210Salaries and employee benefits
  • $2,482Premises and equipment expense
  • $7,927Additional noninterest expense
  • -$5,251Pre-tax net operating income
  • $98Securities gains (losses)
  • $199Applicable income taxes
  • -$5,352Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,352Net income attributable to bank
  • $0Net charge-offs
  • -$5,352Cash dividends
  • $5,314Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 5.25%Noninterest expense to earning assets
  • -1.65%Net operating income to assets
  • -1.62%Return on assets (ROA)
  • -1.56%Pretax return on assets
  • -19.13%Return on equity (ROE)
  • -19.13%Retained earnings to average equity (YTD only)
  • 2.01%Net charge-offs to loans
  • 37.30%Credit loss provision to net charge-offs
  • -0.62%Efficiency ratio
  • 126,470Assets per employee
  • 5.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 22.31%Noncurrent assets plus other real estate owned to assets
  • 16.26%Noncurrent loans to loans
  • 10.10%Net loans and leases to deposits
  • 88.01%Net loans and leases to core deposits
  • 90.74%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 9.60%Tier 1 risk-based capital ratio
  • 13.05%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $330,326Average earning assets
  • $27,971Average equity
  • $297,696Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0363540Texas Community Bank, National Association16610 Interstate 45, The Woodlands, TX 77384September 10, 2002Full Service Brick and Mortar
    2467319Uptown Branch1131 Uptown Park Blvd. Suite 12, Houston, TX 77056March 01, 2005Full Service Retail
    5469202Texas Community Bank - River Oaks Br3951 San Felipe, Houston, TX 77027October 15, 2007Full Service Brick and Mortar

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