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

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