Graham Savings Bank, Inc., SSB in Graham, North Carolina (NC)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 04, 1996

  • Graham Savings Bank, Inc., SSB in Graham, North Carolina (NC)
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Graham Savings Bank, Inc., SSB - Overview

  • General
  • FDIC Certificate #: 30508
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Central Carolina Bank and Trust Company (#2033)
    Federal Reserve ID: 464077
    Date Established: January 01, 1904
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 5474
    FDIC's unique #: 43342
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 30, 1951
    Last Structure Change Effective Date: October 04, 1996
    Last Structure Change Process Date: October 31, 1996
    Last Data Update: October 31, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 236 South Main Street, Graham, NC 27253
    County: Alamance
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Raleigh
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Greensboro--Winston-Salem--High Point, NC (#3120)
    Combined Statistical Area (CSA): Greensboro-Winston-Salem-High Point, NC (#268)
    Core Based Statistical Area (CBSA): Burlington, NC (#15500)
    CBSA Metro Statistical Area: Burlington, NC (#15500)
  • Financial Summary
  • Total assets: $121.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $21Total assets
  • $120,690Cash and due from depository institutions
  • $1,053Interest-bearing balances
  • $453Securities
  • $23,978Federal funds sold & reverse repurchase agreements
  • $23,103Net loans & leases
  • $70,534Loan loss allowance
  • $1,013Trading account assets
  • $0Bank premises and fixed assets
  • $193Other real estate owned
  • $0Goodwill and other intangibles
  • $1,829Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $120,690Total liabilities
  • $108,395Total deposits
  • $96,252Interest-bearing deposits
  • $93,937Deposits held in domestic offices
  • 96252.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $12,143Total equity capital
  • $12,143Total bank equity capital
  • $12,295Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $6,999Undivided profits
  • Memoranda
  • $5,295Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,049Income earned, not collected on loans
  • $421Earning assets
  • $118,068Long-term assets (5+ years)
  • $42,177Average Assets, year-to-date
  • $119,490Average Assets, quarterly
  • $120,030Volatile liabilities
  • $21,068Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,959Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $12,201Total risk weighted assets
  • $70,548Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,038Total interest expense
  • $4,769Net interest income
  • $4,269Provision for loan and lease losses
  • $13Total noninterest income
  • $1,403Fiduciary activities
  • $0Service charges on deposit accounts
  • $78Trading account gains & fees
  • $0Additional noninterest income
  • $1,325Total noninterest expense
  • $3,411Salaries and employee benefits
  • $1,621Premises and equipment expense
  • $152Additional noninterest expense
  • $1,638Pre-tax net operating income
  • $2,248Securities gains (losses)
  • $0Applicable income taxes
  • $333Income before extraordinary items
  • $1,915Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,915Net charge-offs
  • $50Cash dividends
  • $13,000Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.76%Cost of funding earning assets
  • 4.09%Net interest margin
  • 3.67%Noninterest income to earning assets
  • 1.20%Noninterest expense to earning assets
  • 2.93%Net operating income to assets
  • 1.60%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 1.88%Return on equity (ROE)
  • 13.97%Retained earnings to average equity (YTD only)
  • -80.85%Net charge-offs to loans
  • 0.07%Credit loss provision to net charge-offs
  • 26.00%Efficiency ratio
  • 60,138Assets per employee
  • 5.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 678.85%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 96.57%Noncurrent assets plus other real estate owned to assets
  • 0.87%Noncurrent loans to loans
  • 1.47%Net loans and leases to deposits
  • 73.28%Net loans and leases to core deposits
  • 93.82%Equity capital to assets
  • 10.19%Core capital (leverage) ratio
  • 10.06%Tier 1 risk-based capital ratio
  • 17.29%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $119,490Average earning assets
  • $13,710Average equity
  • $116,471Average loans

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