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

The First National Bank of Moody - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 13Total employees (full-time equivalent)
  • $45,176Total assets
  • $5,254Cash and due from depository institutions
  • $3,831Interest-bearing balances
  • $17,465Securities
  • $100Federal funds sold & reverse repurchase agreements
  • $18,262Net loans & leases
  • $586Loan loss allowance
  • $0Trading account assets
  • $239Bank premises and fixed assets
  • $512Other real estate owned
  • $0Goodwill and other intangibles
  • $45,176Life insurance assets
  • $3,344All other assets
  • $36,575Total liabilities and capital
  • $35,429Total liabilities
  • $29,561Total deposits
  • $35,429Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $143Trading liabilities
  • $0Other borrowed funds
  • $1,003Subordinated debt
  • $8,601All other liabilities
  • $8,601Total equity capital
  • $8,601Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $50Surplus
  • $8,501Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $191Income earned, not collected on loans
  • $0Earning assets
  • $293Long-term assets (5+ years)
  • $39,658Average Assets, year-to-date
  • $14,404Average Assets, quarterly
  • $48,948Volatile liabilities
  • $45,655Insider loans
  • $23,295FHLB advances
  • $46,824Loans and leases held for sale
  • $2,185Unused loan commitments
  • $2,185Tier 1 (core) risk-based capital
  • $7,970Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,560Restructured Loans and leases
  • $17Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,702Total interest income
  • $174Total interest expense
  • $1,528Net interest income
  • $71Provision for loan and lease losses
  • $265Total noninterest income
  • $0Fiduciary activities
  • $100Service charges on deposit accounts
  • $0Trading account gains & fees
  • $165Additional noninterest income
  • $1,223Total noninterest expense
  • $568Salaries and employee benefits
  • $83Premises and equipment expense
  • $572Additional noninterest expense
  • $499Pre-tax net operating income
  • $54Securities gains (losses)
  • $0Applicable income taxes
  • $553Income before extraordinary items
  • $0Extraordinary gains - net
  • $553Net income attributable to bank
  • $0Net charge-offs
  • $553Cash dividends
  • -$39Sale, conversion, retirement of capital stock, net
  • $455Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.04%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.90%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 6.54%Return on equity (ROE)
  • 1.16%Retained earnings to average equity (YTD only)
  • -0.20%Net charge-offs to loans
  • -182.05%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,210Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.28%Loss allowance to loans
  • 3.11%Loss allowance to noncurrent loans
  • 306.81%Noncurrent assets plus other real estate owned to assets
  • 1.56%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 51.55%Net loans and leases to core deposits
  • 73.17%Equity capital to assets
  • 19.04%Core capital (leverage) ratio
  • 17.02%Tier 1 risk-based capital ratio
  • 34.21%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $48,948Average earning assets
  • $8,457Average equity
  • $42,154Average loans

List of branches

  • 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

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First National Bank of Moody.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents