Vitals
  • Total Assets
    761.7M -2.3 %
  • Total Deposits
    679.5M -2.8 %
  • Total Net Loans
    638.4M 13.3 %
  • Net Income
    15.0M 7.7 %
  • Book Value
    70.3M 3.4 %
  • Book Value x2
    140.6M 3.4 %
  • Book Value x3
    210.9M 3.4 %
ROAA

1.96

ROAE

21.753

Efficiency Ratio

49.018

Net Interest Margin

3.942

Balance Sheet Highlights
Financial Highlights First National Bank Of Central Texas All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 761,692 358,087
Total Net Loans 638,403 213,533
Total Deposits 679,484 308,027
Total Equity 70,316 38,740
Profitability
Net Income 15,001 3,845
Return on Average Assets 1.96 1.025
Return on Average Equity 21.753 9.415
Net Interest Margin 3.942 3.773
Efficiency Ratio 49.018 66.762
Noninterest Income/Revenue 14.232 16.375
Balance Sheet Ratios
Loan-to-Deposit 93.954 65.494
Securities/Assets .093 .214
Total Equity/Total Assets .092 .108
Tangible Equity/Tangible Assets .091 .104
Capital Adequacy
Tier 1 Common Capital 70,615 37,278
Tier 1 Capital 70,615 37,303
Tier 2 Capital 6,891 2,526
Total Capital 77,506 39,866
Total Risk Weighted Assets 654,646 237,367
Leverage Ratio 9.17 10.563
Common Equity Tier 1 Capital Ratio 10.79 18.073
Tier 1 Capital Ratio 10.79 18.097
Total Capital Ratio 11.84 19.169

Timeline for First National Bank Of Central Texas

Fct Bancshares, Inc.

Fct Bancshares, Inc. became a new parent organization for First National Bank Of Central Texas.

View Profile Jan 01 2010

First Central Holdings, Inc.

First Central Holdings, Inc. became a new parent organization for First National Bank Of Central Texas.

View Profile Nov 01 1995

First National Bank Of Central Texas

First National Bank Of Central Texas was established 122 years ago and is currently headquartered in Waco, TX.

Aug 12 1901
Relationships Role Relationship Start Relationship End
Fct Bancshares, Inc. Parent 1/1/2010
First Central Holdings, Inc. Parent 11/1/1995 12/31/2009
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