The First National Bank of Baird in Baird, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Baird - Overview

  • 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
    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)

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
  • 72Total employees (full-time equivalent)
  • $252,317Total assets
  • $43,413Cash and due from depository institutions
  • $36,961Interest-bearing balances
  • $26,986Securities
  • $341Federal funds sold & reverse repurchase agreements
  • $167,288Net loans & leases
  • $1,555Loan loss allowance
  • $0Trading account assets
  • $5,542Bank premises and fixed assets
  • $1,463Other real estate owned
  • $0Goodwill and other intangibles
  • $252,317Life insurance assets
  • $7,284All other assets
  • $231,189Total liabilities and capital
  • $229,951Total liabilities
  • $176,012Total deposits
  • $229,951Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,238Subordinated debt
  • $21,128All other liabilities
  • $21,128Total equity capital
  • $21,128Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $500Surplus
  • $20,128Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,056Income earned, not collected on loans
  • $378Earning assets
  • $810Long-term assets (5+ years)
  • $231,576Average Assets, year-to-date
  • $30,088Average Assets, quarterly
  • $227,432Volatile liabilities
  • $251,504Insider loans
  • $147,680FHLB advances
  • $250,532Loans and leases held for sale
  • $4,101Unused loan commitments
  • $2,846Tier 1 (core) risk-based capital
  • $21,589Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,255Total unused commitments
  • $18,315Restructured Loans and leases
  • $16Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,863Total interest income
  • $1,632Total interest expense
  • $9,231Net interest income
  • $220Provision for loan and lease losses
  • $1,729Total noninterest income
  • $0Fiduciary activities
  • $1,359Service charges on deposit accounts
  • $0Trading account gains & fees
  • $370Additional noninterest income
  • $7,584Total noninterest expense
  • $4,343Salaries and employee benefits
  • $873Premises and equipment expense
  • $2,368Additional noninterest expense
  • $3,156Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,068Applicable income taxes
  • $2,088Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,088Net income attributable to bank
  • $0Net charge-offs
  • $2,088Cash dividends
  • $340Sale, conversion, retirement of capital stock, net
  • $1,550Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 4.44%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 9.71%Return on equity (ROE)
  • 2.50%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 64.71%Credit loss provision to net charge-offs
  • 9.93%Efficiency ratio
  • 69,197Assets per employee
  • 3.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.23%Loss allowance to loans
  • 0.92%Loss allowance to noncurrent loans
  • 147.25%Noncurrent assets plus other real estate owned to assets
  • 1.00%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 72.75%Net loans and leases to core deposits
  • 77.59%Equity capital to assets
  • 8.37%Core capital (leverage) ratio
  • 8.62%Tier 1 risk-based capital ratio
  • 14.62%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $227,432Average earning assets
  • $21,514Average equity
  • $207,929Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01966The First National Bank Of Baird244 Market Street, Baird, TX 79504Febuary 01, 1885Full Service Brick and Mortar
    1196068Clyde BranchInterstate 20 And Cherry Lane, Clyde, TX 79510November 26, 1990Full Service Brick and Mortar
    2196069Abilene Branch1849 South 1st Street, Abilene, TX 79605March 09, 1995Full Service Brick and Mortar
    3433859Brownwood Branch3711 Austin Avenue, Brownwood, TX 76801December 03, 2004Full Service Brick and Mortar
    4441995Abilene Office Branch4201 Buffalo Gap Road, Abilene, TX 79606March 31, 2005Full Service Brick and Mortar
    5520603Judge Ely Branch966 North Judge Ely, Abilene, TX 79601December 30, 2010Full Service Brick and Mortar

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