First National Bank in Graham in Graham, Texas (TX)

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First National Bank in Graham
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)56
Total assets$244,883
Cash and due from depository institutions$32,012
Interest-bearing balances$23,941
Federal funds sold & reverse repurchase agreements$4,000
Net loans & leases$134,662
Loan loss allowance $2,488
Trading account assets$0
Bank premises and fixed assets$2,483
Other real estate owned$1,628
Goodwill and other intangibles$128
All other assets$7,476
Life insurance assets$244,883
Total liabilities and capital$217,170
Total liabilities$215,003
Total deposits$166,028
Interest-bearing deposits$215,003
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$525
Other borrowed funds $0
Subordinated debt $1,642
All other liabilities $27,713
Total equity capital$27,713
Total bank equity capital$27,713
Perpetual preferred stock$0
Common stock$155
Undivided profits $23,590
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 $4,248
Earning assets $0
Long-term assets (5+ years) $1,289
Average Assets, year-to-date $225,097
Average Assets, quarterly $85,308
Volatile liabilities $233,021
Insider loans $241,540
FHLB advances $154,025
Loans and leases held for sale $240,885
Unused loan commitments $4,484
Tier 1 (core) risk-based capital $4,484
Tier 2 risk-based capital $25,353
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $11,635
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,129
Total interest expense $1,517
Net interest income $8,612
Provision for loan and lease losses $330
Total noninterest income $1,718
Fiduciary activities $424
Service charges on deposit accounts $619
Trading account gains & fees $0
Additional noninterest income $675
Total noninterest expense $6,092
Salaries and employee benefits $3,335
Premises and equipment expense $1,028
Additional noninterest expense $1,729
Pre-tax net operating income $3,908
Securities gains (losses) $4
Applicable income taxes $0
Income before extraordinary items $3,912
Extraordinary gains - net $0
Net income attributable to bank $3,912
Net charge-offs $0
Cash dividends $3,912
Sale, conversion, retirement of capital stock, net $158
Net operating income $1,905
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.73%
Cost of funding earning assets 0.71%
Net interest margin 4.02%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 2.84%
Net operating income to assets 1.68%
Return on assets (ROA) 1.68%
Pretax return on assets 1.68%
Return on equity (ROE) 15.35%
Retained earnings to average equity (YTD only) 7.87%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 208.86%
Efficiency ratio26.82%
Assets per employee$58,974
Cash dividends to net income (YTD only)4.37%
Condition Ratios (%)
Loss allowance to loans 48.70%
Loss allowance to noncurrent loans 1.81%
Noncurrent assets plus other real estate owned to assets 58.57%
Noncurrent loans to loans 2.40%
Net loans and leases to deposits3.10%
Net loans and leases to core deposits 62.63%
Equity capital to assets 65.66%
Core capital (leverage) ratio 11.32%
Tier 1 risk-based capital ratio 10.52%
Total risk-based capital ratio 16.46%
Average assets$18
Average earning assets$233,021
Average equity $25,489
Average loans $214,170
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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$99,584
Number of Accounts1
Personal trust and agency accounts$98,078
Employee benefit-defined contribution accounts$93,040
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$239
Investment management agency accounts$0
Other fiduciary accounts$4,799
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts111
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$239
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,506
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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