The Falls City National Bank in Falls City, Texas (TX)



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The Falls City National Bank routing number info

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The Falls City National Bank
GeneralFDIC Certificate #: 3193
Status: Active
Federal Reserve ID: 441050
Date Established: March 23, 1907
WWW: http://www.fcnb.net
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: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 2054
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
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
LocationAddress: Highway 181 And Mavrick, Falls City, TX 78113
County: Karnes
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $199.2 mil
Equity capital: $18.0 mil
Deposits held in domestic offices: $180.9 mil
Return on assets (ROA): 1.05% ($2.1 mil)
Quarterly return on assets: 0.68% ($1.4 mil)
Return on Equity (ROE): 10.69% ($1.9 mil)
Quarterly return on equity: 7.31% ($1.3 mil)
Net income: $1.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.57% ($3,127.0 mil)
Quarterly Pretax return on assets: 1.16% ($2,310.4 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)27
Total assets$199,173
Cash and due from depository institutions$78,760
Interest-bearing balances$74,370
Securities$35,739
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$79,860
Loan loss allowance $1,592
Trading account assets$0
Bank premises and fixed assets$767
Other real estate owned$2,632
Goodwill and other intangibles$0
All other assets$1,415
Life insurance assets$199,173
Total liabilities and capital$181,204
Total liabilities$180,948
Total deposits$124,301
Interest-bearing deposits$180,948
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $256
All other liabilities $17,969
Total equity capital$17,969
Total bank equity capital$17,969
Perpetual preferred stock$0
Common stock$100
Surplus$125
Undivided profits $17,744
Memoranda
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 $3,897
Earning assets $0
Long-term assets (5+ years) $669
Average Assets, year-to-date $189,969
Average Assets, quarterly $57,339
Volatile liabilities $180,241
Insider loans $194,257
FHLB advances $94,665
Loans and leases held for sale $193,592
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $17,964
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,576
Derivatives$698
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,799
Total interest expense $977
Net interest income $5,822
Provision for loan and lease losses $400
Total noninterest income $299
Fiduciary activities $0
Service charges on deposit accounts $163
Trading account gains & fees $0
Additional noninterest income $136
Total noninterest expense $2,885
Salaries and employee benefits $1,639
Premises and equipment expense $165
Additional noninterest expense $1,081
Pre-tax net operating income $2,836
Securities gains (losses) $0
Applicable income taxes $936
Income before extraordinary items $1,900
Extraordinary gains - net $0
Net income attributable to bank $1,900
Net charge-offs $0
Cash dividends $1,900
Sale, conversion, retirement of capital stock, net $120
Net operating income $1,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.96%
Cost of funding earning assets 0.57%
Net interest margin 3.39%
Noninterest income to earning assets 0.17%
Noninterest expense to earning assets 1.68%
Net operating income to assets 1.05%
Return on assets (ROA) 1.05%
Pretax return on assets 1.57%
Return on equity (ROE) 10.69%
Retained earnings to average equity (YTD only) 5.06%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 333.33%
Efficiency ratio26.97%
Assets per employee$47,133
Cash dividends to net income (YTD only)7.38%
Condition Ratios (%)
Loss allowance to loans 52.63%
Loss allowance to noncurrent loans 1.95%
Noncurrent assets plus other real estate owned to assets 40.85%
Noncurrent loans to loans 3.28%
Net loans and leases to deposits4.78%
Net loans and leases to core deposits 44.13%
Equity capital to assets 45.92%
Core capital (leverage) ratio 9.02%
Tier 1 risk-based capital ratio 9.28%
Total risk-based capital ratio 18.98%
Memoranda
Average assets$20
Average earning assets$180,241
Average equity $17,775
Average loans $171,764
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3 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02054The Falls City National BankHighway 181 And Mavrick, Falls City, TX 78113March 23, 1907Full Service Brick and Mortar
1196147Poth BranchDillworth Plaza, Poth, TX 78147June 05, 1991Full Service Brick and Mortar
2361381Eagle Creek Branch14565 Fm 775, Floresville, TX 78114August 18, 2000Full Service Brick and Mortar
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