Graham Savings and Loan, SSB in Graham, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Graham Savings and Loan, SSB in Graham, Texas (TX)
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Graham Savings and Loan, SSB - Overview

  • General
  • FDIC Certificate #: 29206
    Status: Active
    Federal Reserve ID: 839974
    Date Established: November 27, 1934
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 3099
    FDIC's unique #: 42040
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: November 27, 1934
    Last Structure Change Effective Date: July 01, 2011
    Last Structure Change Process Date: July 15, 2011
    Last Data Update: July 15, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 745 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
  • Name Change
    Change in Primary Regulatory Agency
    Change in Entity Type
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $132.5 mil
    Equity capital: $12.8 mil
    Deposits held in domestic offices: $113.3 mil
    Return on assets (ROA): 1.30% ($1.7 mil)
    Quarterly return on assets: 0.92% ($1.2 mil)
    Return on Equity (ROE): 13.97% ($1.8 mil)
    Quarterly return on equity: 9.81% ($1.3 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.30% ($1,723.0 mil)
    Quarterly Pretax return on assets: 0.92% ($1,219.4 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
  • 30Total employees (full-time equivalent)
  • $132,542Total assets
  • $22,291Cash and due from depository institutions
  • $21,458Interest-bearing balances
  • $8,336Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $97,414Net loans & leases
  • $1,168Loan loss allowance
  • $0Trading account assets
  • $944Bank premises and fixed assets
  • $1,771Other real estate owned
  • $0Goodwill and other intangibles
  • $132,542Life insurance assets
  • $1,786All other assets
  • $119,790Total liabilities and capital
  • $113,315Total liabilities
  • $108,482Total deposits
  • $113,315Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,076Trading liabilities
  • $0Other borrowed funds
  • $399Subordinated debt
  • $12,752All other liabilities
  • $12,752Total equity capital
  • $12,752Total bank equity capital
  • $0Perpetual preferred stock
  • $254Common stock
  • $1,939Surplus
  • $10,559Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $112Income earned, not collected on loans
  • $0Earning assets
  • $557Long-term assets (5+ years)
  • $127,208Average Assets, year-to-date
  • $55,845Average Assets, quarterly
  • $132,779Volatile liabilities
  • $133,736Insider loans
  • $71,905FHLB advances
  • $135,639Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,752Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $696Restructured Loans and leases
  • $418Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,917Total interest income
  • $2,116Total interest expense
  • $4,801Net interest income
  • $228Provision for loan and lease losses
  • $286Total noninterest income
  • $0Fiduciary activities
  • $157Service charges on deposit accounts
  • $0Trading account gains & fees
  • $129Additional noninterest income
  • $3,131Total noninterest expense
  • $1,503Salaries and employee benefits
  • $291Premises and equipment expense
  • $1,337Additional noninterest expense
  • $1,728Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,728Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,728Net income attributable to bank
  • $0Net charge-offs
  • $1,728Cash dividends
  • $121Sale, conversion, retirement of capital stock, net
  • $1,077Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.42%Yield on earning assets
  • 1.66%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 13.97%Return on equity (ROE)
  • 5.26%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 188.43%Credit loss provision to net charge-offs
  • 16.17%Efficiency ratio
  • 61,549Assets per employee
  • 4.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.33%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 1042.86%Noncurrent assets plus other real estate owned to assets
  • 1.42%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 85.97%Net loans and leases to core deposits
  • 97.01%Equity capital to assets
  • 9.62%Core capital (leverage) ratio
  • 9.40%Tier 1 risk-based capital ratio
  • 17.73%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $132,779Average earning assets
  • $12,369Average equity
  • $127,689Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042040Graham Savings And Loan, Ssb745 Elm Street, Graham, TX 76450November 27, 1934Full Service Brick and Mortar
    100273663Breckenridge Branch1116 W Walker, Breckenridge, TX 76424November 27, 1934Full Service Brick and Mortar
    101273664Possum Kingdom Branch1301 Park Rd 36, Graford, TX 76449November 27, 1934Full Service Brick and Mortar

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