First National Bank in Graham in Graham, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank in Graham - Overview

  • General
  • FDIC Certificate #: 3226
    Status: Active
    Federal Reserve ID: 327855
    Bank Holding Company (Regulatory Top Holder): First Graham Bancorp, Inc. (RSSDID: 1107700, Location: Graham, TX)
    Date Established: October 10, 1889
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 12657
    FDIC's unique #: 2081
    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: 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: 623 Elm Street, Graham, TX 76450
    County: Young
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $244.9 mil
    Equity capital: $27.7 mil
    Deposits held in domestic offices: $215.0 mil
    Return on assets (ROA): 1.68% ($4.1 mil)
    Quarterly return on assets: 1.77% ($4.3 mil)
    Return on Equity (ROE): 15.35% ($4.3 mil)
    Quarterly return on equity: 15.78% ($4.4 mil)
    Net income: $3.9 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.68% ($4,114.0 mil)
    Quarterly Pretax return on assets: 1.77% ($4,334.4 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
  • 56Total employees (full-time equivalent)
  • $244,883Total assets
  • $32,012Cash and due from depository institutions
  • $23,941Interest-bearing balances
  • $62,494Securities
  • $4,000Federal funds sold & reverse repurchase agreements
  • $134,662Net loans & leases
  • $2,488Loan loss allowance
  • $0Trading account assets
  • $2,483Bank premises and fixed assets
  • $1,628Other real estate owned
  • $128Goodwill and other intangibles
  • $244,883Life insurance assets
  • $7,476All other assets
  • $217,170Total liabilities and capital
  • $215,003Total liabilities
  • $166,028Total deposits
  • $215,003Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $525Trading liabilities
  • $0Other borrowed funds
  • $1,642Subordinated debt
  • $27,713All other liabilities
  • $27,713Total equity capital
  • $27,713Total bank equity capital
  • $0Perpetual preferred stock
  • $155Common stock
  • $3,968Surplus
  • $23,590Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,248Income earned, not collected on loans
  • $0Earning assets
  • $1,289Long-term assets (5+ years)
  • $225,097Average Assets, year-to-date
  • $85,308Average Assets, quarterly
  • $233,021Volatile liabilities
  • $241,540Insider loans
  • $154,025FHLB advances
  • $240,885Loans and leases held for sale
  • $4,484Unused loan commitments
  • $4,484Tier 1 (core) risk-based capital
  • $25,353Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,635Restructured Loans and leases
  • $5,050Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,129Total interest income
  • $1,517Total interest expense
  • $8,612Net interest income
  • $330Provision for loan and lease losses
  • $1,718Total noninterest income
  • $424Fiduciary activities
  • $619Service charges on deposit accounts
  • $0Trading account gains & fees
  • $675Additional noninterest income
  • $6,092Total noninterest expense
  • $3,335Salaries and employee benefits
  • $1,028Premises and equipment expense
  • $1,729Additional noninterest expense
  • $3,908Pre-tax net operating income
  • $4Securities gains (losses)
  • $0Applicable income taxes
  • $3,912Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,912Net income attributable to bank
  • $0Net charge-offs
  • $3,912Cash dividends
  • $158Sale, conversion, retirement of capital stock, net
  • $1,905Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.02%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 1.68%Net operating income to assets
  • 1.68%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 15.35%Return on equity (ROE)
  • 7.87%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 208.86%Credit loss provision to net charge-offs
  • 26.82%Efficiency ratio
  • 58,974Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.70%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 58.57%Noncurrent assets plus other real estate owned to assets
  • 2.40%Noncurrent loans to loans
  • 3.10%Net loans and leases to deposits
  • 62.63%Net loans and leases to core deposits
  • 65.66%Equity capital to assets
  • 11.32%Core capital (leverage) ratio
  • 10.52%Tier 1 risk-based capital ratio
  • 16.46%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $233,021Average earning assets
  • $25,489Average equity
  • $214,170Average 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
  • $99,584Managed Assets
  • 1Number of Accounts
  • $98,078Personal trust and agency accounts
  • $93,040Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $239Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $4,799Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 111Number of Accounts
  • $0Personal trust and agency accounts
  • $239Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,506Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02081First National Bank In Graham623 Elm Street, Graham, TX 76450October 10, 1889Full Service Brick and Mortar
    1241034Bryson BranchHighway 380 (South Side), Bryson, TX 76427August 04, 1997Full Service Brick and Mortar
    2452548Aledo National Bank325 Fm 1187s, Aledo, TX 76008May 08, 2006Full Service Cyber

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