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

The Brenham National Bank - Overview

  • General
  • FDIC Certificate #: 3113
    Status: Active
    Federal Reserve ID: 227357
    Bank Holding Company (Regulatory Top Holder): Brenham Bancshares, Inc. (RSSDID: 1108789, Location: Brenham, TX)
    Date Established: April 22, 1933
    Trust Powers Granted: No
    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 #: 12346
    FDIC's unique #: 1987
    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: December 04, 2008
    Last Structure Change Process Date: December 09, 2008
    Last Data Update: December 09, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 2211 South Day Street, Brenham, TX 77833
    County: Washington
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Brenham, TX (#14780)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $272.5 mil
    Equity capital: $27.1 mil
    Deposits held in domestic offices: $234.3 mil
    Return on assets (ROA): 1.14% ($3.1 mil)
    Quarterly return on assets: 0.89% ($2.4 mil)
    Return on Equity (ROE): 11.82% ($3.2 mil)
    Quarterly return on equity: 8.93% ($2.4 mil)
    Net income: $2.9 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.14% ($3,106.0 mil)
    Quarterly Pretax return on assets: 0.89% ($2,424.9 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
  • 55Total employees (full-time equivalent)
  • $272,457Total assets
  • $13,974Cash and due from depository institutions
  • $7,715Interest-bearing balances
  • $144,935Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $99,518Net loans & leases
  • $2,065Loan loss allowance
  • $0Trading account assets
  • $5,116Bank premises and fixed assets
  • $1,803Other real estate owned
  • $0Goodwill and other intangibles
  • $272,457Life insurance assets
  • $7,111All other assets
  • $245,310Total liabilities and capital
  • $234,293Total liabilities
  • $183,164Total deposits
  • $234,293Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,964Trading liabilities
  • $0Other borrowed funds
  • $2,053Subordinated debt
  • $27,147All other liabilities
  • $27,147Total equity capital
  • $27,147Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $4,921Surplus
  • $21,026Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $434Income earned, not collected on loans
  • $0Earning assets
  • $1,380Long-term assets (5+ years)
  • $252,168Average Assets, year-to-date
  • $102,305Average Assets, quarterly
  • $253,004Volatile liabilities
  • $268,551Insider loans
  • $133,595FHLB advances
  • $269,334Loans and leases held for sale
  • $1,532Unused loan commitments
  • $1,532Tier 1 (core) risk-based capital
  • $22,833Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,274Restructured Loans and leases
  • $96Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,635Total interest income
  • $1,779Total interest expense
  • $7,856Net interest income
  • $100Provision for loan and lease losses
  • $1,289Total noninterest income
  • $0Fiduciary activities
  • $626Service charges on deposit accounts
  • $0Trading account gains & fees
  • $663Additional noninterest income
  • $7,047Total noninterest expense
  • $3,472Salaries and employee benefits
  • $975Premises and equipment expense
  • $2,600Additional noninterest expense
  • $1,998Pre-tax net operating income
  • $879Securities gains (losses)
  • $0Applicable income taxes
  • $2,877Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,877Net income attributable to bank
  • $0Net charge-offs
  • $2,877Cash dividends
  • $96Sale, conversion, retirement of capital stock, net
  • $1,611Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.09%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 11.82%Return on equity (ROE)
  • 5.20%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 104.17%Credit loss provision to net charge-offs
  • 21.85%Efficiency ratio
  • 77,059Assets per employee
  • 4.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.00%Loss allowance to loans
  • 2.03%Loss allowance to noncurrent loans
  • 475.81%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 42.48%Net loans and leases to core deposits
  • 43.43%Equity capital to assets
  • 9.96%Core capital (leverage) ratio
  • 8.48%Tier 1 risk-based capital ratio
  • 17.09%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $253,004Average earning assets
  • $24,343Average equity
  • $235,655Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01987The Brenham National Bank2211 South Day Street, Brenham, TX 77833April 22, 1933Full Service Brick and Mortar
    1463491College Station Branch2470 Earl Rudder Freeway South, College Station, TX 77840September 04, 2006Full Service Brick and Mortar
    2492748Chappell Hill Branch9005 U.S. Hwy 290 East, Chappell Hill, TX 77426November 17, 2008Full Service Brick and Mortar

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