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

This bank is inactive as of December 31, 2010

Graham National Bank - Overview

  • General
  • FDIC Certificate #: 33865
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: InterBank (#27210)
    Federal Reserve ID: 1998775
    Date Established: January 03, 1994
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 48173
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 03, 1994
    Last Structure Change Effective Date: December 31, 2010
    Last Structure Change Process Date: January 04, 2011
    Last Data Update: January 04, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 455 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
  • Financial Summary
  • Total assets: $113.3 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, 2009)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $104,607Total assets
  • $11,369Cash and due from depository institutions
  • $10,606Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $87,731Net loans & leases
  • $897Loan loss allowance
  • $0Trading account assets
  • $2,206Bank premises and fixed assets
  • $1,183Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,118All other assets
  • $104,607Total liabilities and capital
  • $93,909Total liabilities
  • $93,826Total deposits
  • $69,856Interest-bearing deposits
  • $93,826Deposits held in domestic offices
  • 78.15%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $83All other liabilities
  • $10,698Total equity capital
  • $10,698Total bank equity capital
  • $10,698Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $4,500Undivided profits
  • Memoranda
  • $5,698Noncurrent loans and leases
  • $43,898Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,365Earning assets
  • $0Long-term assets (5+ years)
  • $851Average Assets, year-to-date
  • $98,337Average Assets, quarterly
  • $4,184Volatile liabilities
  • $104,362Insider loans
  • $104,403FHLB advances
  • $10,066Loans and leases held for sale
  • $2,399Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $43,898Total unused commitments
  • $0Restructured Loans and leases
  • $897Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $4,713Total interest income
  • $752Total interest expense
  • $3,961Net interest income
  • $253Provision for loan and lease losses
  • $1,409Total noninterest income
  • $0Fiduciary activities
  • $440Service charges on deposit accounts
  • $0Trading account gains & fees
  • $969Additional noninterest income
  • $3,085Total noninterest expense
  • $1,146Salaries and employee benefits
  • $758Premises and equipment expense
  • $1,181Additional noninterest expense
  • $2,032Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,032Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,032Net income attributable to bank
  • $0Net charge-offs
  • $2,032Cash dividends
  • $372Sale, conversion, retirement of capital stock, net
  • $3,225Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 4.17%Net interest margin
  • 1.48%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • 1.95%Net operating income to assets
  • 1.95%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 18.22%Return on equity (ROE)
  • -10.70%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 68.01%Credit loss provision to net charge-offs
  • 6.14%Efficiency ratio
  • 57,449Assets per employee
  • 4.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 158.71%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 65.71%Noncurrent assets plus other real estate owned to assets
  • 2.44%Noncurrent loans to loans
  • 1.54%Net loans and leases to deposits
  • 93.50%Net loans and leases to core deposits
  • 104.74%Equity capital to assets
  • 10.23%Core capital (leverage) ratio
  • 10.33%Tier 1 risk-based capital ratio
  • 11.38%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $104,362Average earning assets
  • $11,152Average equity
  • $95,040Average loans

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Graham National Bank.
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.
Table of Contents