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 WWW:http://www.menardnationalbank.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) 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
No
ID
Name
Address
Established
Service Type
Map
0
2158
Menard National Bank
201 Ellis Street, Menard, TX 76859
January 01, 1919
Full Service Brick and Mortar
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