FDIC Certificate #: 3351 Status: Active Federal Reserve ID: 108269 Bank Holding Company (Regulatory Top Holder): Reynolds, Teague, Thurman Financial Corp. (RSSDID: 3147353, Location: Moody, TX) Date Established: January 01, 1893 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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 2171 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: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 101 7th St, Moody, TX 76557 County: Mclennan 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 Metropolitan Statistical Area (MSA): Waco, TX (#8800) Core Based Statistical Area (CBSA): Waco, TX (#47380) CBSA Metro Statistical Area: Waco, TX (#47380)
History of Changes
Change in Location
Financial Summary
Total assets: $45.2 mil Equity capital: $8.6 mil Deposits held in domestic offices: $35.4 mil Return on assets (ROA): 1.13% ($0.5 mil) Quarterly return on assets: 0.79% ($0.4 mil) Return on Equity (ROE): 6.54% ($0.6 mil) Quarterly return on equity: 4.15% ($0.4 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.13% ($510.5 mil) Quarterly Pretax return on assets: 0.79% ($356.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$45,176Total assets
$5,254Cash and due from depository institutions
$3,831Interest-bearing balances
$17,465Securities
$100Federal funds sold & reverse repurchase agreements
$18,262Net loans & leases
$586Loan loss allowance
$0Trading account assets
$239Bank premises and fixed assets
$512Other real estate owned
$0Goodwill and other intangibles
$45,176Life insurance assets
$3,344All other assets
$36,575Total liabilities and capital
$35,429Total liabilities
$29,561Total deposits
$35,429Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$143Trading liabilities
$0Other borrowed funds
$1,003Subordinated debt
$8,601All other liabilities
$8,601Total equity capital
$8,601Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$50Surplus
$8,501Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$191Income earned, not collected on loans
$0Earning assets
$293Long-term assets (5+ years)
$39,658Average Assets, year-to-date
$14,404Average Assets, quarterly
$48,948Volatile liabilities
$45,655Insider loans
$23,295FHLB advances
$46,824Loans and leases held for sale
$2,185Unused loan commitments
$2,185Tier 1 (core) risk-based capital
$7,970Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,560Restructured Loans and leases
$17Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,702Total interest income
$174Total interest expense
$1,528Net interest income
$71Provision for loan and lease losses
$265Total noninterest income
$0Fiduciary activities
$100Service charges on deposit accounts
$0Trading account gains & fees
$165Additional noninterest income
$1,223Total noninterest expense
$568Salaries and employee benefits
$83Premises and equipment expense
$572Additional noninterest expense
$499Pre-tax net operating income
$54Securities gains (losses)
$0Applicable income taxes
$553Income before extraordinary items
$0Extraordinary gains - net
$553Net income attributable to bank
$0Net charge-offs
$553Cash dividends
-$39Sale, conversion, retirement of capital stock, net
$455Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.04%Yield on earning assets
0.41%Cost of funding earning assets
3.62%Net interest margin
0.63%Noninterest income to earning assets
2.90%Noninterest expense to earning assets
1.02%Net operating income to assets
1.13%Return on assets (ROA)
1.13%Pretax return on assets
6.54%Return on equity (ROE)
1.16%Retained earnings to average equity (YTD only)
-0.20%Net charge-offs to loans
-182.05%Credit loss provision to net charge-offs
0.00%Efficiency ratio
68,210Assets per employee
3.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
82.28%Loss allowance to loans
3.11%Loss allowance to noncurrent loans
306.81%Noncurrent assets plus other real estate owned to assets
1.56%Noncurrent loans to loans
1.01%Net loans and leases to deposits
51.55%Net loans and leases to core deposits
73.17%Equity capital to assets
19.04%Core capital (leverage) ratio
17.02%Tier 1 risk-based capital ratio
34.21%Total risk-based capital ratio
Memoranda
$35Average assets
$48,948Average earning assets
$8,457Average equity
$42,154Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2171
The First National Bank Of Moody
101 7th St, Moody, TX 76557
January 01, 1893
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First National Bank of Moody.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: