The Moody National Bank in Galveston, Texas (TX)

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The Moody National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)270
Total assets$856,179
Cash and due from depository institutions$64,455
Interest-bearing balances$6,112
Federal funds sold & reverse repurchase agreements$37,702
Net loans & leases$422,966
Loan loss allowance $6,405
Trading account assets$0
Bank premises and fixed assets$29,703
Other real estate owned$1,610
Goodwill and other intangibles$0
All other assets$9,881
Life insurance assets$856,179
Total liabilities and capital$766,829
Total liabilities$712,296
Total deposits$673,240
Interest-bearing deposits$712,296
Deposits held in domestic offices$69
% insured (estimated)48346.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $6,187
All other liabilities $89,350
Total equity capital$89,350
Total bank equity capital$89,350
Perpetual preferred stock$0
Common stock$1,500
Undivided profits $84,350
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 $8,906
Earning assets $0
Long-term assets (5+ years) $3,233
Average Assets, year-to-date $756,642
Average Assets, quarterly $297,709
Volatile liabilities $909,616
Insider loans $863,779
FHLB advances $521,639
Loans and leases held for sale $860,933
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $88,228
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $98,501
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $35,027
Total interest expense $5,783
Net interest income $29,244
Provision for loan and lease losses $600
Total noninterest income $12,202
Fiduciary activities $5,612
Service charges on deposit accounts $3,835
Trading account gains & fees $0
Additional noninterest income $2,755
Total noninterest expense $31,538
Salaries and employee benefits $14,600
Premises and equipment expense $7,586
Additional noninterest expense $9,352
Pre-tax net operating income $9,308
Securities gains (losses) $284
Applicable income taxes $3,262
Income before extraordinary items $6,330
Extraordinary gains - net $0
Net income attributable to bank $6,330
Net charge-offs $0
Cash dividends $6,330
Sale, conversion, retirement of capital stock, net $785
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.31%
Cost of funding earning assets 0.71%
Net interest margin 3.59%
Noninterest income to earning assets 1.50%
Noninterest expense to earning assets 3.88%
Net operating income to assets 0.68%
Return on assets (ROA) 0.70%
Pretax return on assets 1.05%
Return on equity (ROE) 7.39%
Retained earnings to average equity (YTD only) 7.39%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 76.43%
Efficiency ratio12.62%
Assets per employee$76,094
Cash dividends to net income (YTD only)3.17%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.49%
Noncurrent assets plus other real estate owned to assets 71.92%
Noncurrent loans to loans 1.23%
Net loans and leases to deposits2.07%
Net loans and leases to core deposits 59.38%
Equity capital to assets 63.92%
Core capital (leverage) ratio 10.44%
Tier 1 risk-based capital ratio 10.25%
Total risk-based capital ratio 16.91%
Average assets$18
Average earning assets$909,616
Average equity $85,683
Average loans $813,515
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$2,443,961
Number of Accounts1
Personal trust and agency accounts$551,634
Employee benefit-defined contribution accounts$100,003
Employee benefit-defined benefit accounts$143
Other retirement accounts$27,712
Corporate trust and agency accounts$948
Investment management agency accounts$0
Other fiduciary accounts$29,667
Fiduciary accounts held in foreign offices$393,161
Non-managed Assets$0
Number of Accounts149
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$948
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,892,327
Corporate trust and agency accounts$823,219
Other fiduciary accounts$2,720
Fiduciary accounts held in foreign offices$7,337
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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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