The First National Bank of Baird in Baird, Texas (TX)
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| The First National Bank of Baird | |
|---|---|
| General | FDIC Certificate #: 3086 Status: Active Federal Reserve ID: 75558 Bank Holding Company (Regulatory Top Holder): First Baird Bancshares, Inc. (RSSDID: 1105751, Location: Bedford, TX) Date Established: Febuary 01, 1885 WWW: http://www.fnbbaird.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: 6 (Domestic: 6, Interstate: No) OTS Docket #: 12868 FDIC's unique #: 1966 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: 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: 244 Market Street, Baird, TX 79504 County: Callahan 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 Core Based Statistical Area (CBSA): Abilene, TX (#10180) CBSA Metro Statistical Area: Abilene, TX (#10180) |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $252.3 mil Equity capital: $21.1 mil Deposits held in domestic offices: $230.0 mil Return on assets (ROA): 0.92% ($2.3 mil) Quarterly return on assets: 0.77% ($1.9 mil) Return on Equity (ROE): 9.71% ($2.0 mil) Quarterly return on equity: 9.07% ($1.9 mil) Net income: $2.1 mil Quarterly Net income: $0.5 mil Pretax return on assets: 1.39% ($3,507.2 mil) Quarterly Pretax return on assets: 1.16% ($2,926.9 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 72 |
| Total assets | $252,317 |
| Cash and due from depository institutions | $43,413 |
| Interest-bearing balances | $36,961 |
| Securities | $26,986 |
| Federal funds sold & reverse repurchase agreements | $341 |
| Net loans & leases | $167,288 |
| Loan loss allowance | $1,555 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $5,542 |
| Other real estate owned | $1,463 |
| Goodwill and other intangibles | $0 |
| All other assets | $7,284 |
| Life insurance assets | $252,317 |
| Total liabilities and capital | $231,189 |
| Total liabilities | $229,951 |
| Total deposits | $176,012 |
| Interest-bearing deposits | $229,951 |
| Deposits held in domestic offices | $84 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,238 |
| All other liabilities | $21,128 |
| Total equity capital | $21,128 |
| Total bank equity capital | $21,128 |
| Perpetual preferred stock | $0 |
| Common stock | $500 |
| Surplus | $500 |
| Undivided profits | $20,128 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $1,056 |
| Earning assets | $378 |
| Long-term assets (5+ years) | $810 |
| Average Assets, year-to-date | $231,576 |
| Average Assets, quarterly | $30,088 |
| Volatile liabilities | $227,432 |
| Insider loans | $251,504 |
| FHLB advances | $147,680 |
| Loans and leases held for sale | $250,532 |
| Unused loan commitments | $4,101 |
| Tier 1 (core) risk-based capital | $2,846 |
| Tier 2 risk-based capital | $21,589 |
| Total risk weighted assets | $0 |
| Total unused commitments | $1,255 |
| Restructured Loans and leases | $18,315 |
| Derivatives | $16 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $10,863 |
| Total interest expense | $1,632 |
| Net interest income | $9,231 |
| Provision for loan and lease losses | $220 |
| Total noninterest income | $1,729 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $1,359 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $370 |
| Total noninterest expense | $7,584 |
| Salaries and employee benefits | $4,343 |
| Premises and equipment expense | $873 |
| Additional noninterest expense | $2,368 |
| Pre-tax net operating income | $3,156 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $1,068 |
| Income before extraordinary items | $2,088 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $2,088 |
| Net charge-offs | $0 |
| Cash dividends | $2,088 |
| Sale, conversion, retirement of capital stock, net | $340 |
| Net operating income | $1,550 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.22% |
| Cost of funding earning assets | 0.78% |
| Net interest margin | 4.44% |
| Noninterest income to earning assets | 0.83% |
| Noninterest expense to earning assets | 3.65% |
| Net operating income to assets | 0.92% |
| Return on assets (ROA) | 0.92% |
| Pretax return on assets | 1.39% |
| Return on equity (ROE) | 9.71% |
| Retained earnings to average equity (YTD only) | 2.50% |
| Net charge-offs to loans | 0.20% |
| Credit loss provision to net charge-offs | 64.71% |
| Efficiency ratio | 9.93% |
| Assets per employee | $69,197 |
| Cash dividends to net income (YTD only) | 3.50% |
| Condition Ratios (%) | |
| Loss allowance to loans | 74.23% |
| Loss allowance to noncurrent loans | 0.92% |
| Noncurrent assets plus other real estate owned to assets | 147.25% |
| Noncurrent loans to loans | 1.00% |
| Net loans and leases to deposits | 0.63% |
| Net loans and leases to core deposits | 72.75% |
| Equity capital to assets | 77.59% |
| Core capital (leverage) ratio | 8.37% |
| Tier 1 risk-based capital ratio | 8.62% |
| Total risk-based capital ratio | 14.62% |
| Memoranda | |
| Average assets | $16 |
| Average earning assets | $227,432 |
| Average equity | $21,514 |
| Average loans | $207,929 |
| 6 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 1966 | The First National Bank Of Baird | 244 Market Street, Baird, TX 79504 | Febuary 01, 1885 | Full Service Brick and Mortar |  |
| 1 | 196068 | Clyde Branch | Interstate 20 And Cherry Lane, Clyde, TX 79510 | November 26, 1990 | Full Service Brick and Mortar |  |
| 2 | 196069 | Abilene Branch | 1849 South 1st Street, Abilene, TX 79605 | March 09, 1995 | Full Service Brick and Mortar | |
| 3 | 433859 | Brownwood Branch | 3711 Austin Avenue, Brownwood, TX 76801 | December 03, 2004 | Full Service Brick and Mortar | |
| 4 | 441995 | Abilene Office Branch | 4201 Buffalo Gap Road, Abilene, TX 79606 | March 31, 2005 | Full Service Brick and Mortar | |
| 5 | 520603 | Judge Ely Branch | 966 North Judge Ely, Abilene, TX 79601 | December 30, 2010 | Full Service Brick and Mortar | |
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