Grapeland State Bank in Grapeland, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Grapeland State Bank - Overview

  • General
  • FDIC Certificate #: 11934
    Status: Active
    Federal Reserve ID: 404653
    Date Established: August 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7621
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 122 Main St, Grapeland, TX 75844
    County: Houston
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $31.4 mil
    Equity capital: $3.7 mil
    Deposits held in domestic offices: $27.6 mil
    Return on assets (ROA): 0.71% ($0.2 mil)
    Quarterly return on assets: 0.24% ($0.1 mil)
    Return on Equity (ROE): 7.74% ($0.3 mil)
    Quarterly return on equity: 2.05% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.88% ($276.2 mil)
    Quarterly Pretax return on assets: 0.37% ($116.1 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
  • 9Total employees (full-time equivalent)
  • $31,382Total assets
  • $925Cash and due from depository institutions
  • $35Interest-bearing balances
  • $11,725Securities
  • $695Federal funds sold & reverse repurchase agreements
  • $16,455Net loans & leases
  • $251Loan loss allowance
  • $0Trading account assets
  • $1,222Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $31,382Life insurance assets
  • $360All other assets
  • $27,706Total liabilities and capital
  • $27,610Total liabilities
  • $23,097Total deposits
  • $27,610Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $96Subordinated debt
  • $3,676All other liabilities
  • $3,676Total equity capital
  • $3,676Total bank equity capital
  • $1,680Perpetual preferred stock
  • $100Common stock
  • $800Surplus
  • $1,096Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $269Income earned, not collected on loans
  • $0Earning assets
  • $186Long-term assets (5+ years)
  • $28,910Average Assets, year-to-date
  • $17,585Average Assets, quarterly
  • $28,247Volatile liabilities
  • $31,024Insider loans
  • $18,214FHLB advances
  • $30,881Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,658Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $218Restructured Loans and leases
  • $581Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,387Total interest income
  • $311Total interest expense
  • $1,076Net interest income
  • $81Provision for loan and lease losses
  • $182Total noninterest income
  • $0Fiduciary activities
  • $111Service charges on deposit accounts
  • $0Trading account gains & fees
  • $71Additional noninterest income
  • $1,040Total noninterest expense
  • $431Salaries and employee benefits
  • $187Premises and equipment expense
  • $422Additional noninterest expense
  • $137Pre-tax net operating income
  • $112Securities gains (losses)
  • $49Applicable income taxes
  • $200Income before extraordinary items
  • $0Extraordinary gains - net
  • $200Net income attributable to bank
  • $0Net charge-offs
  • $200Cash dividends
  • $28Sale, conversion, retirement of capital stock, net
  • $38Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 7.74%Return on equity (ROE)
  • 6.27%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 289.29%Credit loss provision to net charge-offs
  • 7.79%Efficiency ratio
  • 82,671Assets per employee
  • 3.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.00%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 93.31%Noncurrent assets plus other real estate owned to assets
  • 0.86%Noncurrent loans to loans
  • 1.61%Net loans and leases to deposits
  • 59.60%Net loans and leases to core deposits
  • 64.48%Equity capital to assets
  • 11.71%Core capital (leverage) ratio
  • 11.85%Tier 1 risk-based capital ratio
  • 20.08%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $28,247Average earning assets
  • $2,585Average equity
  • $25,816Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07621Grapeland State Bank122 Main St, Grapeland, TX 75844August 01, 1911Full Service Brick and Mortar
    1225998Grapeland BranchOak And Chestnut Streets, Grapeland, TX 75844March 31, 1997Limited Service Facility

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