The Moody National Bank in Galveston, Texas (TX)
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| The Moody National Bank | |
|---|---|
| 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 WWW: http://www.moodybank.com 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) |
| 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 |
| Securities | $289,862 |
| 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 |
| Surplus | $3,500 |
| Undivided profits | $84,350 |
| 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 | $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 |
| Derivatives | $1,122 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.31% |
| 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 ratio | 12.62% |
| 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 deposits | 2.07% |
| 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% |
| Memoranda | |
| Average assets | $18 |
| Average earning assets | $909,616 |
| Average equity | $85,683 |
| Average loans | $813,515 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $2,443,961 |
| Number of Accounts | 1 |
| 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 Accounts | 149 |
| 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 |
| 21 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 2068 | The Moody National Bank | 2302 Post Office, Galveston, TX 77550 | January 01, 1907 | Full Service Brick and Mortar |  |
| 1 | 196164 | West Branch Banking Center | 6820 Seawall Blvd, Galveston, TX 77551 | August 26, 1985 | Full Service Brick and Mortar |  |
| 2 | 32993 | South Shore Banking Center | 2901 South Shore Boulevard, League City, TX 77573 | October 08, 1985 | Full Service Brick and Mortar | |
| 3 | 196165 | Texas City Banking Center | 7940 Emmett Lowry Expressway, Texas City, TX 77591 | May 20, 1991 | Full Service Brick and Mortar | |
| 4 | 196166 | West League City Banking Center | 2670 West Main, League City, TX 77573 | October 17, 1994 | Full Service Brick and Mortar | |
| 7 | 196169 | Clear Lake Banking Center | 1100 Bay Area Boulevard, Houston, TX 77058 | April 13, 1998 | Full Service Brick and Mortar | |
| 8 | 196170 | Pearland Banking Center | 1504 Broadway, Pearland, TX 77581 | June 01, 1998 | Full Service Brick and Mortar | |
| 9 | 196171 | East End Banking Center | 502 University Boulevard, Galveston, TX 77550 | August 31, 1998 | Full Service Brick and Mortar | |
| 12 | 196174 | Friendswood Banking Center | 408 West Parkwood, Friendswood, TX 77546 | September 22, 1999 | Full Service Brick and Mortar | |
| 15 | 361312 | West Pearland Banking Center | 2940 Broadway Bend Drive, Pearland, TX 77584 | August 15, 2000 | Full Service Retail | |
| 18 | 364396 | Pirates Beach Banking Center | 13655 Fm 3005, Galveston, TX 77554 | June 30, 2002 | Full Service Brick and Mortar | |
| 19 | 419172 | Pasadena Banking Center | 6003 Fairmont Parkway, Pasadena, TX 77504 | May 12, 2003 | Full Service Brick and Mortar | |
| 21 | 429975 | Angleton Banking Center | 2518 Velasco, Angleton, TX 77515 | September 07, 2003 | Full Service Retail | |
| 23 | 429977 | Lake Jackson Banking Center Branch | 128 Oyster Creek Drive, Lake Jackson, TX 77566 | October 06, 2003 | Full Service Brick and Mortar | |
| 25 | 429979 | Cinco Ranch Katy | 23703 Cinco Ranch Blvd, Katy, TX 77494 | January 20, 2004 | Full Service Retail | |
| 28 | 444583 | Moody National Bank - West Houston B | 850 North Eldridge Parkway, Houston, TX 77079 | August 24, 2005 | Full Service Brick and Mortar | |
| 29 | 457311 | Moody National Bank Victory Lakes Br | 1555 Fm 646 Rd W, Dickinson, TX 77539 | October 23, 2006 | Full Service Brick and Mortar | |
| 30 | 465217 | Alvin Banking Center Branch | 1450 Fm 1462 Rd, Alvin, TX 77511 | May 01, 2007 | Full Service Brick and Mortar | |
| 31 | 470140 | Sugarland Banking Center | 7610 Highway 90a, Sugar Land, TX 77479 | November 27, 2007 | Full Service Brick and Mortar | |
| 32 | 470224 | Seabrook Branch | 2338 Nasa Road 1, Seabrook, TX 77586 | December 07, 2007 | Full Service Brick and Mortar | |
| 33 | 492779 | Austin Banking Center Branch | 860 East Anderson, Austin, TX 78752 | October 27, 2008 | Full Service Brick and Mortar | |
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Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.