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

Menard National Bank - Overview

  • General
  • FDIC Certificate #: 3336
    Status: Active
    Federal Reserve ID: 375650
    Bank Holding Company (Regulatory Top Holder): Menard Bancshares, Inc. (RSSDID: 2291295, Location: Menard, TX)
    Date Established: January 01, 1919
    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 #: 2158
    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: 201 Ellis Street, Menard, TX 76859
    County: Menard
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    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: $32.6 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $28.4 mil
    Return on assets (ROA): 0.71% ($0.2 mil)
    Quarterly return on assets: 0.56% ($0.2 mil)
    Return on Equity (ROE): 5.76% ($0.2 mil)
    Quarterly return on equity: 4.31% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.71% ($231.8 mil)
    Quarterly Pretax return on assets: 0.56% ($182.8 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
  • 10Total employees (full-time equivalent)
  • $32,648Total assets
  • $3,548Cash and due from depository institutions
  • $2,500Interest-bearing balances
  • $11,435Securities
  • $1,200Federal funds sold & reverse repurchase agreements
  • $14,637Net loans & leases
  • $227Loan loss allowance
  • $0Trading account assets
  • $203Bank premises and fixed assets
  • $354Other real estate owned
  • $0Goodwill and other intangibles
  • $32,648Life insurance assets
  • $1,271All other assets
  • $28,454Total liabilities and capital
  • $28,441Total liabilities
  • $21,874Total deposits
  • $28,441Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $13Subordinated debt
  • $4,194All other liabilities
  • $4,194Total equity capital
  • $4,194Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $150Surplus
  • $3,944Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3Income earned, not collected on loans
  • $0Earning assets
  • $227Long-term assets (5+ years)
  • $29,772Average Assets, year-to-date
  • $10,456Average Assets, quarterly
  • $33,588Volatile liabilities
  • $32,628Insider loans
  • $20,595FHLB advances
  • $33,184Loans and leases held for sale
  • $876Unused loan commitments
  • $876Tier 1 (core) risk-based capital
  • $4,087Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,209Restructured Loans and leases
  • $1,123Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,247Total interest income
  • $166Total interest expense
  • $1,081Net interest income
  • $12Provision for loan and lease losses
  • $141Total noninterest income
  • $0Fiduciary activities
  • $72Service charges on deposit accounts
  • $0Trading account gains & fees
  • $69Additional noninterest income
  • $970Total noninterest expense
  • $498Salaries and employee benefits
  • $152Premises and equipment expense
  • $320Additional noninterest expense
  • $240Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $240Income before extraordinary items
  • $0Extraordinary gains - net
  • $240Net income attributable to bank
  • $0Net charge-offs
  • $240Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 3.16%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.71%Pretax return on assets
  • 5.76%Return on equity (ROE)
  • 0.96%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 400.00%Credit loss provision to net charge-offs
  • 84.00%Efficiency ratio
  • 79,378Assets per employee
  • 3.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.33%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 7566.67%Noncurrent assets plus other real estate owned to assets
  • 1.09%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 51.46%Net loans and leases to core deposits
  • 56.38%Equity capital to assets
  • 12.85%Core capital (leverage) ratio
  • 12.32%Tier 1 risk-based capital ratio
  • 19.84%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $33,588Average earning assets
  • $4,167Average equity
  • $30,708Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02158Menard National Bank201 Ellis Street, Menard, TX 76859January 01, 1919Full Service Brick and Mortar

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