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

The Moody National Bank - Overview

  • General
  • FDIC Certificate #: 3210
    Status: Active
    Federal Reserve ID: 253356
    Bank Holding Company (Regulatory Top Holder): Moody Bancshares, Inc. (RSSDID: 1107522, Location: Galveston, TX)
    Date Established: January 01, 1907
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 21 (Domestic: 21, Interstate: No)
    FDIC's unique #: 2068
    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: 2302 Post Office, Galveston, TX 77550
    County: Galveston
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Galveston-Texas City, TX (#2920)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $856.2 mil
    Equity capital: $89.3 mil
    Deposits held in domestic offices: $712.3 mil
    Return on assets (ROA): 0.70% ($6.0 mil)
    Quarterly return on assets: 0.93% ($8.0 mil)
    Return on Equity (ROE): 7.39% ($6.6 mil)
    Quarterly return on equity: 8.98% ($8.0 mil)
    Net income: $6.3 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 1.05% ($8,989.9 mil)
    Quarterly Pretax return on assets: 1.40% ($11,986.5 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
  • 270Total employees (full-time equivalent)
  • $856,179Total assets
  • $64,455Cash and due from depository institutions
  • $6,112Interest-bearing balances
  • $289,862Securities
  • $37,702Federal funds sold & reverse repurchase agreements
  • $422,966Net loans & leases
  • $6,405Loan loss allowance
  • $0Trading account assets
  • $29,703Bank premises and fixed assets
  • $1,610Other real estate owned
  • $0Goodwill and other intangibles
  • $856,179Life insurance assets
  • $9,881All other assets
  • $766,829Total liabilities and capital
  • $712,296Total liabilities
  • $673,240Total deposits
  • $712,296Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 48346.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $6,187Subordinated debt
  • $89,350All other liabilities
  • $89,350Total equity capital
  • $89,350Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $3,500Surplus
  • $84,350Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,906Income earned, not collected on loans
  • $0Earning assets
  • $3,233Long-term assets (5+ years)
  • $756,642Average Assets, year-to-date
  • $297,709Average Assets, quarterly
  • $909,616Volatile liabilities
  • $863,779Insider loans
  • $521,639FHLB advances
  • $860,933Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $88,228Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $98,501Restructured Loans and leases
  • $1,122Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $35,027Total interest income
  • $5,783Total interest expense
  • $29,244Net interest income
  • $600Provision for loan and lease losses
  • $12,202Total noninterest income
  • $5,612Fiduciary activities
  • $3,835Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,755Additional noninterest income
  • $31,538Total noninterest expense
  • $14,600Salaries and employee benefits
  • $7,586Premises and equipment expense
  • $9,352Additional noninterest expense
  • $9,308Pre-tax net operating income
  • $284Securities gains (losses)
  • $3,262Applicable income taxes
  • $6,330Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,330Net income attributable to bank
  • $0Net charge-offs
  • $6,330Cash dividends
  • $785Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.31%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.59%Net interest margin
  • 1.50%Noninterest income to earning assets
  • 3.88%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 7.39%Return on equity (ROE)
  • 7.39%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 76.43%Credit loss provision to net charge-offs
  • 12.62%Efficiency ratio
  • 76,094Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 71.92%Noncurrent assets plus other real estate owned to assets
  • 1.23%Noncurrent loans to loans
  • 2.07%Net loans and leases to deposits
  • 59.38%Net loans and leases to core deposits
  • 63.92%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 10.25%Tier 1 risk-based capital ratio
  • 16.91%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $909,616Average earning assets
  • $85,683Average equity
  • $813,515Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,443,961Managed Assets
  • 1Number of Accounts
  • $551,634Personal trust and agency accounts
  • $100,003Employee benefit-defined contribution accounts
  • $143Employee benefit-defined benefit accounts
  • $27,712Other retirement accounts
  • $948Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $29,667Other fiduciary accounts
  • $393,161Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 149Number of Accounts
  • $0Personal trust and agency accounts
  • $948Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,892,327Other retirement accounts
  • $823,219Corporate trust and agency accounts
  • $2,720Other fiduciary accounts
  • $7,337Fiduciary accounts held in foreign offices

List of branches

  • 21 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02068The Moody National Bank2302 Post Office, Galveston, TX 77550January 01, 1907Full Service Brick and Mortar
    1196164West Branch Banking Center6820 Seawall Blvd, Galveston, TX 77551August 26, 1985Full Service Brick and Mortar
    232993South Shore Banking Center2901 South Shore Boulevard, League City, TX 77573October 08, 1985Full Service Brick and Mortar
    3196165Texas City Banking Center7940 Emmett Lowry Expressway, Texas City, TX 77591May 20, 1991Full Service Brick and Mortar
    4196166West League City Banking Center2670 West Main, League City, TX 77573October 17, 1994Full Service Brick and Mortar
    7196169Clear Lake Banking Center1100 Bay Area Boulevard, Houston, TX 77058April 13, 1998Full Service Brick and Mortar
    8196170Pearland Banking Center1504 Broadway, Pearland, TX 77581June 01, 1998Full Service Brick and Mortar
    9196171East End Banking Center502 University Boulevard, Galveston, TX 77550August 31, 1998Full Service Brick and Mortar
    12196174Friendswood Banking Center408 West Parkwood, Friendswood, TX 77546September 22, 1999Full Service Brick and Mortar
    15361312West Pearland Banking Center2940 Broadway Bend Drive, Pearland, TX 77584August 15, 2000Full Service Retail
    18364396Pirates Beach Banking Center13655 Fm 3005, Galveston, TX 77554June 30, 2002Full Service Brick and Mortar
    19419172Pasadena Banking Center6003 Fairmont Parkway, Pasadena, TX 77504May 12, 2003Full Service Brick and Mortar
    21429975Angleton Banking Center2518 Velasco, Angleton, TX 77515September 07, 2003Full Service Retail
    23429977Lake Jackson Banking Center Branch128 Oyster Creek Drive, Lake Jackson, TX 77566October 06, 2003Full Service Brick and Mortar
    25429979Cinco Ranch Katy23703 Cinco Ranch Blvd, Katy, TX 77494January 20, 2004Full Service Retail
    28444583Moody National Bank - West Houston B850 North Eldridge Parkway, Houston, TX 77079August 24, 2005Full Service Brick and Mortar
    29457311Moody National Bank Victory Lakes Br1555 Fm 646 Rd W, Dickinson, TX 77539October 23, 2006Full Service Brick and Mortar
    30465217Alvin Banking Center Branch1450 Fm 1462 Rd, Alvin, TX 77511May 01, 2007Full Service Brick and Mortar
    31470140Sugarland Banking Center7610 Highway 90a, Sugar Land, TX 77479November 27, 2007Full Service Brick and Mortar
    32470224Seabrook Branch2338 Nasa Road 1, Seabrook, TX 77586December 07, 2007Full Service Brick and Mortar
    33492779Austin Banking Center Branch860 East Anderson, Austin, TX 78752October 27, 2008Full Service Brick and Mortar

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