FDIC Certificate #: 24355 Status: Active Federal Reserve ID: 211954 Bank Holding Company (Regulatory Top Holder): First Baird Bancshares, Inc. (RSSDID: 1105751, Location: Bedford, TX) Date Established: Febuary 07, 1983 WWW:http://www.fnbmidcities.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: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13891 FDIC's unique #: 16948 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: Febuary 07, 1983 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: 4009 Airport Freeway, Bedford, TX 76021 County: Tarrant 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): Fort Worth-Arlington, TX (#2800) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Fort Worth-Arlington, TX (#23104)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $36.5 mil Equity capital: $3.4 mil Deposits held in domestic offices: $32.7 mil Return on assets (ROA): 0.24% ($0.1 mil) Quarterly return on assets: 0.58% ($0.2 mil) Return on Equity (ROE): 2.61% ($0.1 mil) Quarterly return on equity: 6.35% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.37% ($135.0 mil) Quarterly Pretax return on assets: 0.87% ($317.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$36,483Total assets
$9,788Cash and due from depository institutions
$8,792Interest-bearing balances
$2,974Securities
$0Federal funds sold & reverse repurchase agreements
$20,762Net loans & leases
$237Loan loss allowance
$0Trading account assets
$2,164Bank premises and fixed assets
$142Other real estate owned
$0Goodwill and other intangibles
$36,483Life insurance assets
$653All other assets
$33,132Total liabilities and capital
$32,748Total liabilities
$17,333Total deposits
$32,748Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$384Subordinated debt
$3,351All other liabilities
$3,351Total equity capital
$3,351Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$1,850Surplus
$1Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$879Income earned, not collected on loans
$0Earning assets
$196Long-term assets (5+ years)
$32,528Average Assets, year-to-date
$3,413Average Assets, quarterly
$35,464Volatile liabilities
$36,368Insider loans
$21,752FHLB advances
$35,718Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,288Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$855Restructured Loans and leases
$61Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,547Total interest income
$190Total interest expense
$1,357Net interest income
$18Provision for loan and lease losses
$310Total noninterest income
$0Fiduciary activities
$288Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$1,526Total noninterest expense
$705Salaries and employee benefits
$195Premises and equipment expense
$626Additional noninterest expense
$123Pre-tax net operating income
$7Securities gains (losses)
$44Applicable income taxes
$86Income before extraordinary items
$0Extraordinary gains - net
$86Net income attributable to bank
$0Net charge-offs
$86Cash dividends
$46Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.01%Yield on earning assets
0.62%Cost of funding earning assets
4.39%Net interest margin
1.00%Noninterest income to earning assets
4.94%Noninterest expense to earning assets
0.23%Net operating income to assets
0.24%Return on assets (ROA)
0.37%Pretax return on assets
2.61%Return on equity (ROE)
2.61%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
39.13%Credit loss provision to net charge-offs
3.07%Efficiency ratio
91,542Assets per employee
2.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.13%Loss allowance to noncurrent loans
26.96%Noncurrent assets plus other real estate owned to assets
2.80%Noncurrent loans to loans
4.19%Net loans and leases to deposits
63.40%Net loans and leases to core deposits
64.49%Equity capital to assets
9.19%Core capital (leverage) ratio
9.21%Tier 1 risk-based capital ratio
15.12%Total risk-based capital ratio
Memoranda
$16Average assets
$35,464Average earning assets
$3,295Average equity
$30,882Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
16948
First National Bank Of The Mid-Citie
4009 Airport Freeway, Bedford, TX 76021
Febuary 07, 1983
Full Service Brick and Mortar
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