The First National Bank of Baird in city_name, state_name - Detailed Financial Reports, Location

The First National Bank of Baird in Baird, Texas (TX)
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The First National Bank of Baird routing number info

The First National Bank of Baird - Overview

General
FDIC Certificate #: 3086
Status: Active
Federal Reserve ID: 75558
Bank Holding Company (Regulatory Top Holder): First Baird Bancshares, Inc. (RSSDID: 1105751, Location: Bedford, TX)
Date Established: Febuary 01, 1885
WWW: http://www.fnbbaird.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: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 12868
FDIC's unique #: 1966
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: 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: 244 Market Street, Baird, TX 79504
County: Callahan
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
Core Based Statistical Area (CBSA): Abilene, TX (#10180)
CBSA Metro Statistical Area: Abilene, TX (#10180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $252.3 mil
Equity capital: $21.1 mil
Deposits held in domestic offices: $230.0 mil
Return on assets (ROA): 0.92% ($2.3 mil)
Quarterly return on assets: 0.77% ($1.9 mil)
Return on Equity (ROE): 9.71% ($2.0 mil)
Quarterly return on equity: 9.07% ($1.9 mil)
Net income: $2.1 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.39% ($3,507.2 mil)
Quarterly Pretax return on assets: 1.16% ($2,926.9 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
72Total employees (full-time equivalent)
$252,317Total assets
$43,413Cash and due from depository institutions
$36,961Interest-bearing balances
$26,986Securities
$341Federal funds sold & reverse repurchase agreements
$167,288Net loans & leases
$1,555Loan loss allowance
$0Trading account assets
$5,542Bank premises and fixed assets
$1,463Other real estate owned
$0Goodwill and other intangibles
$252,317Life insurance assets
$7,284All other assets
$231,189Total liabilities and capital
$229,951Total liabilities
$176,012Total deposits
$229,951Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,238Subordinated debt
$21,128All other liabilities
$21,128Total equity capital
$21,128Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$500Surplus
$20,128Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,056Income earned, not collected on loans
$378Earning assets
$810Long-term assets (5+ years)
$231,576Average Assets, year-to-date
$30,088Average Assets, quarterly
$227,432Volatile liabilities
$251,504Insider loans
$147,680FHLB advances
$250,532Loans and leases held for sale
$4,101Unused loan commitments
$2,846Tier 1 (core) risk-based capital
$21,589Tier 2 risk-based capital
$0Total risk weighted assets
$1,255Total unused commitments
$18,315Restructured Loans and leases
$16Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,863Total interest income
$1,632Total interest expense
$9,231Net interest income
$220Provision for loan and lease losses
$1,729Total noninterest income
$0Fiduciary activities
$1,359Service charges on deposit accounts
$0Trading account gains & fees
$370Additional noninterest income
$7,584Total noninterest expense
$4,343Salaries and employee benefits
$873Premises and equipment expense
$2,368Additional noninterest expense
$3,156Pre-tax net operating income
$0Securities gains (losses)
$1,068Applicable income taxes
$2,088Income before extraordinary items
$0Extraordinary gains - net
$2,088Net income attributable to bank
$0Net charge-offs
$2,088Cash dividends
$340Sale, conversion, retirement of capital stock, net
$1,550Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.22%Yield on earning assets
0.78%Cost of funding earning assets
4.44%Net interest margin
0.83%Noninterest income to earning assets
3.65%Noninterest expense to earning assets
0.92%Net operating income to assets
0.92%Return on assets (ROA)
1.39%Pretax return on assets
9.71%Return on equity (ROE)
2.50%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
64.71%Credit loss provision to net charge-offs
9.93%Efficiency ratio
69,197Assets per employee
3.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
74.23%Loss allowance to loans
0.92%Loss allowance to noncurrent loans
147.25%Noncurrent assets plus other real estate owned to assets
1.00%Noncurrent loans to loans
0.63%Net loans and leases to deposits
72.75%Net loans and leases to core deposits
77.59%Equity capital to assets
8.37%Core capital (leverage) ratio
8.62%Tier 1 risk-based capital ratio
14.62%Total risk-based capital ratio
Memoranda
$16Average assets
$227,432Average earning assets
$21,514Average equity
$207,929Average loans

List of branches

6 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1966	The First National Bank Of Baird	244 Market Street, Baird, TX 79504	Febuary 01, 1885	Full Service Brick and Mortar
1	196068	Clyde Branch	Interstate 20 And Cherry Lane, Clyde, TX 79510	November 26, 1990	Full Service Brick and Mortar
2	196069	Abilene Branch	1849 South 1st Street, Abilene, TX 79605	March 09, 1995	Full Service Brick and Mortar
3	433859	Brownwood Branch	3711 Austin Avenue, Brownwood, TX 76801	December 03, 2004	Full Service Brick and Mortar
4	441995	Abilene Office Branch	4201 Buffalo Gap Road, Abilene, TX 79606	March 31, 2005	Full Service Brick and Mortar
5	520603	Judge Ely Branch	966 North Judge Ely, Abilene, TX 79601	December 30, 2010	Full Service Brick and Mortar

The First National Bank of Baird in Baird, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Baird - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First National Bank of Baird in Baird, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Baird - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First National Bank of Baird in Baird, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches