The First National Bank of Moody in Moody, Texas (TX)



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The First National Bank of Moody routing number info

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The First National Bank of Moody
GeneralFDIC Certificate #: 3351
Status: Active
Federal Reserve ID: 108269
Bank Holding Company (Regulatory Top Holder): Reynolds, Teague, Thurman Financial Corp. (RSSDID: 3147353, Location: Moody, TX)
Date Established: January 01, 1893
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 #: 2171
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 101 7th St, Moody, TX 76557
County: Mclennan
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
Metropolitan Statistical Area (MSA): Waco, TX (#8800)
Core Based Statistical Area (CBSA): Waco, TX (#47380)
CBSA Metro Statistical Area: Waco, TX (#47380)
History of ChangesChange in Location
Financial SummaryTotal assets: $45.2 mil
Equity capital: $8.6 mil
Deposits held in domestic offices: $35.4 mil
Return on assets (ROA): 1.13% ($0.5 mil)
Quarterly return on assets: 0.79% ($0.4 mil)
Return on Equity (ROE): 6.54% ($0.6 mil)
Quarterly return on equity: 4.15% ($0.4 mil)
Net income: $0.6 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.13% ($510.5 mil)
Quarterly Pretax return on assets: 0.79% ($356.9 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)
Total employees (full-time equivalent)13
Total assets$45,176
Cash and due from depository institutions$5,254
Interest-bearing balances$3,831
Securities$17,465
Federal funds sold & reverse repurchase agreements$100
Net loans & leases$18,262
Loan loss allowance $586
Trading account assets$0
Bank premises and fixed assets$239
Other real estate owned$512
Goodwill and other intangibles$0
All other assets$3,344
Life insurance assets$45,176
Total liabilities and capital$36,575
Total liabilities$35,429
Total deposits$29,561
Interest-bearing deposits$35,429
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$143
Other borrowed funds $0
Subordinated debt $1,003
All other liabilities $8,601
Total equity capital$8,601
Total bank equity capital$8,601
Perpetual preferred stock$0
Common stock$50
Surplus$50
Undivided profits $8,501
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 $191
Earning assets $0
Long-term assets (5+ years) $293
Average Assets, year-to-date $39,658
Average Assets, quarterly $14,404
Volatile liabilities $48,948
Insider loans $45,655
FHLB advances $23,295
Loans and leases held for sale $46,824
Unused loan commitments $2,185
Tier 1 (core) risk-based capital $2,185
Tier 2 risk-based capital $7,970
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,560
Derivatives$17
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,702
Total interest expense $174
Net interest income $1,528
Provision for loan and lease losses $71
Total noninterest income $265
Fiduciary activities $0
Service charges on deposit accounts $100
Trading account gains & fees $0
Additional noninterest income $165
Total noninterest expense $1,223
Salaries and employee benefits $568
Premises and equipment expense $83
Additional noninterest expense $572
Pre-tax net operating income $499
Securities gains (losses) $54
Applicable income taxes $0
Income before extraordinary items $553
Extraordinary gains - net $0
Net income attributable to bank $553
Net charge-offs $0
Cash dividends $553
Sale, conversion, retirement of capital stock, net -$39
Net operating income $455
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.04%
Cost of funding earning assets 0.41%
Net interest margin 3.62%
Noninterest income to earning assets 0.63%
Noninterest expense to earning assets 2.90%
Net operating income to assets 1.02%
Return on assets (ROA) 1.13%
Pretax return on assets 1.13%
Return on equity (ROE) 6.54%
Retained earnings to average equity (YTD only) 1.16%
Net charge-offs to loans -0.20%
Credit loss provision to net charge-offs -182.05%
Efficiency ratio0.00%
Assets per employee$68,210
Cash dividends to net income (YTD only)3.48%
Condition Ratios (%)
Loss allowance to loans 82.28%
Loss allowance to noncurrent loans 3.11%
Noncurrent assets plus other real estate owned to assets 306.81%
Noncurrent loans to loans 1.56%
Net loans and leases to deposits1.01%
Net loans and leases to core deposits 51.55%
Equity capital to assets 73.17%
Core capital (leverage) ratio 19.04%
Tier 1 risk-based capital ratio 17.02%
Total risk-based capital ratio 34.21%
Memoranda
Average assets$35
Average earning assets$48,948
Average equity $8,457
Average loans $42,154
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02171The First National Bank Of Moody101 7th St, Moody, TX 76557January 01, 1893Full Service Brick and Mortar
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