First National Bank in Munday in Munday, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank in Munday - Overview

  • General
  • FDIC Certificate #: 3356
    Status: Active
    Federal Reserve ID: 767769
    Bank Holding Company (Regulatory Top Holder): First Baird Bancshares, Inc. (RSSDID: 1105751, Location: Bedford, TX)
    Date Established: January 16, 1932
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 12806
    FDIC's unique #: 2176
    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: No
    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: 111 South Munday Avenue, Munday, TX 76371
    County: Knox
    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: $94.9 mil
    Equity capital: $7.9 mil
    Deposits held in domestic offices: $86.9 mil
    Return on assets (ROA): 0.68% ($0.6 mil)
    Quarterly return on assets: 0.60% ($0.6 mil)
    Return on Equity (ROE): 7.58% ($0.6 mil)
    Quarterly return on equity: 7.01% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.01% ($959.0 mil)
    Quarterly Pretax return on assets: 0.89% ($845.0 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
  • 30Total employees (full-time equivalent)
  • $94,946Total assets
  • $26,049Cash and due from depository institutions
  • $22,949Interest-bearing balances
  • $14,358Securities
  • $1,081Federal funds sold & reverse repurchase agreements
  • $49,740Net loans & leases
  • $622Loan loss allowance
  • $0Trading account assets
  • $922Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $94,946Life insurance assets
  • $2,796All other assets
  • $87,052Total liabilities and capital
  • $86,908Total liabilities
  • $56,377Total deposits
  • $86,908Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $144Subordinated debt
  • $7,894All other liabilities
  • $7,894Total equity capital
  • $7,894Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,495Surplus
  • $6,199Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $372Income earned, not collected on loans
  • $315Earning assets
  • $606Long-term assets (5+ years)
  • $88,128Average Assets, year-to-date
  • $13,327Average Assets, quarterly
  • $86,970Volatile liabilities
  • $91,912Insider loans
  • $51,791FHLB advances
  • $91,784Loans and leases held for sale
  • $1,516Unused loan commitments
  • $1,323Tier 1 (core) risk-based capital
  • $8,022Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $193Total unused commitments
  • $8,335Restructured Loans and leases
  • $327Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,018Total interest income
  • $329Total interest expense
  • $2,689Net interest income
  • $8Provision for loan and lease losses
  • $907Total noninterest income
  • $0Fiduciary activities
  • $686Service charges on deposit accounts
  • $0Trading account gains & fees
  • $221Additional noninterest income
  • $2,713Total noninterest expense
  • $1,491Salaries and employee benefits
  • $291Premises and equipment expense
  • $931Additional noninterest expense
  • $875Pre-tax net operating income
  • $0Securities gains (losses)
  • $284Applicable income taxes
  • $591Income before extraordinary items
  • $0Extraordinary gains - net
  • $591Net income attributable to bank
  • $0Net charge-offs
  • $591Cash dividends
  • $58Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.74%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 3.34%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 7.58%Return on equity (ROE)
  • 7.58%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 13.79%Credit loss provision to net charge-offs
  • 15.22%Efficiency ratio
  • 75,445Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 167.20%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.74%Net loans and leases to deposits
  • 57.23%Net loans and leases to core deposits
  • 60.26%Equity capital to assets
  • 8.31%Core capital (leverage) ratio
  • 8.74%Tier 1 risk-based capital ratio
  • 15.49%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $86,970Average earning assets
  • $7,801Average equity
  • $80,606Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02176First National Bank In Munday111 South Munday Avenue, Munday, TX 76371January 16, 1932Full Service Brick and Mortar
    2260022Stamford Branch610 Columbia, Stamford, TX 79553July 01, 1994Full Service Brick and Mortar
    3419873Haskell Branch200 South Avenue E, Haskell, TX 79521September 03, 2002Full Service Brick and Mortar

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