FDIC Certificate #: 3109 Status: Active Federal Reserve ID: 101952 Bank Holding Company (Regulatory Top Holder): Texas Country Bancshares, Inc. (RSSDID: 1106990, Location: Brady, TX) Date Established: July 10, 1905 WWW:http://www.bradynationalbank.com 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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1984 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization 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
Location
Address: 101-109 South Blackburn Street, Brady, TX 76825 County: Mcculloch Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $90.9 mil Equity capital: $8.0 mil Deposits held in domestic offices: $82.6 mil Return on assets (ROA): 1.13% ($1.0 mil) Quarterly return on assets: 1.31% ($1.2 mil) Return on Equity (ROE): 14.04% ($1.1 mil) Quarterly return on equity: 15.03% ($1.2 mil) Net income: $1.0 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.13% ($1,026.9 mil) Quarterly Pretax return on assets: 1.31% ($1,190.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
25Total employees (full-time equivalent)
$90,875Total assets
$10,481Cash and due from depository institutions
$8,924Interest-bearing balances
$33,232Securities
$0Federal funds sold & reverse repurchase agreements
$42,348Net loans & leases
$1,078Loan loss allowance
$0Trading account assets
$1,354Bank premises and fixed assets
$0Other real estate owned
$54Goodwill and other intangibles
$90,875Life insurance assets
$3,406All other assets
$82,875Total liabilities and capital
$82,581Total liabilities
$67,853Total deposits
$82,581Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$294Subordinated debt
$8,000All other liabilities
$8,000Total equity capital
$8,000Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$500Surplus
$7,300Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$192Income earned, not collected on loans
$0Earning assets
$644Long-term assets (5+ years)
$84,504Average Assets, year-to-date
$39,272Average Assets, quarterly
$88,539Volatile liabilities
$90,539Insider loans
$49,775FHLB advances
$90,614Loans and leases held for sale
$1,411Unused loan commitments
$1,411Tier 1 (core) risk-based capital
$7,362Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,906Restructured Loans and leases
$579Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,711Total interest income
$565Total interest expense
$3,146Net interest income
$95Provision for loan and lease losses
$611Total noninterest income
$2Fiduciary activities
$173Service charges on deposit accounts
$0Trading account gains & fees
$436Additional noninterest income
$2,692Total noninterest expense
$1,172Salaries and employee benefits
$334Premises and equipment expense
$1,186Additional noninterest expense
$970Pre-tax net operating income
$30Securities gains (losses)
$0Applicable income taxes
$1,000Income before extraordinary items
$0Extraordinary gains - net
$1,000Net income attributable to bank
$0Net charge-offs
$1,000Cash dividends
$18Sale, conversion, retirement of capital stock, net
$410Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.53%Yield on earning assets
0.69%Cost of funding earning assets
3.84%Net interest margin
0.75%Noninterest income to earning assets
3.28%Noninterest expense to earning assets
1.10%Net operating income to assets
1.13%Return on assets (ROA)
1.13%Pretax return on assets
14.04%Return on equity (ROE)
8.28%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
527.78%Credit loss provision to net charge-offs
59.17%Efficiency ratio
71,653Assets per employee
3.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.00%Loss allowance to loans
2.48%Loss allowance to noncurrent loans
561.46%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.44%Net loans and leases to deposits
51.28%Net loans and leases to core deposits
57.29%Equity capital to assets
8.80%Core capital (leverage) ratio
8.12%Tier 1 risk-based capital ratio
14.79%Total risk-based capital ratio
Memoranda
$16Average assets
$88,539Average earning assets
$7,123Average equity
$81,958Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$677Managed Assets
1Number of Accounts
$186Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$186Non-managed Assets
12Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$491Other retirement accounts
$193Corporate trust and agency accounts
$0Other fiduciary accounts
$298Fiduciary accounts held in foreign offices
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1984
The Brady National Bank
101-109 South Blackburn Street, Brady, TX 76825
July 10, 1905
Full Service Brick and Mortar
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