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

The Brady National Bank - Overview

  • General
  • FDIC Certificate #: 3109
    Status: Active
    Federal Reserve ID: 101952
    Bank Holding Company (Regulatory Top Holder): Texas Country Bancshares, Inc. (RSSDID: 1106990, Location: Brady, TX)
    Date Established: July 10, 1905
    Trust Powers Granted: Yes
    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 #: 1984
    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: 101-109 South Blackburn Street, Brady, TX 76825
    County: Mcculloch
    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: $90.9 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $82.6 mil
    Return on assets (ROA): 1.13% ($1.0 mil)
    Quarterly return on assets: 1.31% ($1.2 mil)
    Return on Equity (ROE): 14.04% ($1.1 mil)
    Quarterly return on equity: 15.03% ($1.2 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.13% ($1,026.9 mil)
    Quarterly Pretax return on assets: 1.31% ($1,190.5 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
  • 25Total employees (full-time equivalent)
  • $90,875Total assets
  • $10,481Cash and due from depository institutions
  • $8,924Interest-bearing balances
  • $33,232Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,348Net loans & leases
  • $1,078Loan loss allowance
  • $0Trading account assets
  • $1,354Bank premises and fixed assets
  • $0Other real estate owned
  • $54Goodwill and other intangibles
  • $90,875Life insurance assets
  • $3,406All other assets
  • $82,875Total liabilities and capital
  • $82,581Total liabilities
  • $67,853Total deposits
  • $82,581Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $294Subordinated debt
  • $8,000All other liabilities
  • $8,000Total equity capital
  • $8,000Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $500Surplus
  • $7,300Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $192Income earned, not collected on loans
  • $0Earning assets
  • $644Long-term assets (5+ years)
  • $84,504Average Assets, year-to-date
  • $39,272Average Assets, quarterly
  • $88,539Volatile liabilities
  • $90,539Insider loans
  • $49,775FHLB advances
  • $90,614Loans and leases held for sale
  • $1,411Unused loan commitments
  • $1,411Tier 1 (core) risk-based capital
  • $7,362Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,906Restructured Loans and leases
  • $579Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,711Total interest income
  • $565Total interest expense
  • $3,146Net interest income
  • $95Provision for loan and lease losses
  • $611Total noninterest income
  • $2Fiduciary activities
  • $173Service charges on deposit accounts
  • $0Trading account gains & fees
  • $436Additional noninterest income
  • $2,692Total noninterest expense
  • $1,172Salaries and employee benefits
  • $334Premises and equipment expense
  • $1,186Additional noninterest expense
  • $970Pre-tax net operating income
  • $30Securities gains (losses)
  • $0Applicable income taxes
  • $1,000Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,000Net income attributable to bank
  • $0Net charge-offs
  • $1,000Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $410Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 14.04%Return on equity (ROE)
  • 8.28%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 527.78%Credit loss provision to net charge-offs
  • 59.17%Efficiency ratio
  • 71,653Assets per employee
  • 3.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.00%Loss allowance to loans
  • 2.48%Loss allowance to noncurrent loans
  • 561.46%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 51.28%Net loans and leases to core deposits
  • 57.29%Equity capital to assets
  • 8.80%Core capital (leverage) ratio
  • 8.12%Tier 1 risk-based capital ratio
  • 14.79%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $88,539Average earning assets
  • $7,123Average equity
  • $81,958Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $677Managed Assets
  • 1Number of Accounts
  • $186Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $186Non-managed Assets
  • 12Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $491Other retirement accounts
  • $193Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $298Fiduciary accounts held in foreign offices

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01984The Brady National Bank101-109 South Blackburn Street, Brady, TX 76825July 10, 1905Full Service Brick and Mortar

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