The First National Bank of Granbury in Granbury, Texas (TX)



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The First National Bank of Granbury routing number info

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The First National Bank of Granbury
GeneralFDIC Certificate #: 3228
Status: Active
Federal Reserve ID: 329952
Bank Holding Company (Regulatory Top Holder): First Granbury Bancorporation (RSSDID: 1105528, Location: Granbury, TX)
Date Established: January 01, 1887
WWW: http://www.fnbgranbury.com
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: 8 (Domestic: 8, Interstate: No)
FDIC's unique #: 2083
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: 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
LocationAddress: 101 East Bridge, Granbury, TX 76048
County: Hood
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
Metropolitan Statistical Area (MSA): Fort Worth-Arlington, TX (#2800)
Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Granbury, TX (#24180)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $425.2 mil
Equity capital: $43.2 mil
Deposits held in domestic offices: $380.7 mil
Return on assets (ROA): 0.85% ($3.6 mil)
Quarterly return on assets: 0.88% ($3.7 mil)
Return on Equity (ROE): 8.30% ($3.6 mil)
Quarterly return on equity: 8.48% ($3.6 mil)
Net income: $3.5 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.17% ($4,974.9 mil)
Quarterly Pretax return on assets: 1.16% ($4,932.4 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)
Total employees (full-time equivalent)108
Total assets$425,209
Cash and due from depository institutions$29,511
Interest-bearing balances$11,675
Securities$192,519
Federal funds sold & reverse repurchase agreements$18,445
Net loans & leases$171,994
Loan loss allowance $1,660
Trading account assets$0
Bank premises and fixed assets$4,946
Other real estate owned$3,198
Goodwill and other intangibles$0
All other assets$4,596
Life insurance assets$425,209
Total liabilities and capital$381,967
Total liabilities$380,664
Total deposits$295,441
Interest-bearing deposits$380,664
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,303
All other liabilities $43,242
Total equity capital$43,242
Total bank equity capital$43,242
Perpetual preferred stock$0
Common stock$550
Surplus$800
Undivided profits $41,892
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,029
Income earned, not collected on loans $2,425
Earning assets $0
Long-term assets (5+ years) $1,834
Average Assets, year-to-date $394,633
Average Assets, quarterly $37,280
Volatile liabilities $408,743
Insider loans $417,596
FHLB advances $201,301
Loans and leases held for sale $415,342
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $41,763
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,834
Derivatives$1,151
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,828
Total interest expense $1,817
Net interest income $13,011
Provision for loan and lease losses $395
Total noninterest income $2,391
Fiduciary activities $0
Service charges on deposit accounts $1,211
Trading account gains & fees $0
Additional noninterest income $1,180
Total noninterest expense $10,438
Salaries and employee benefits $6,006
Premises and equipment expense $866
Additional noninterest expense $3,566
Pre-tax net operating income $4,569
Securities gains (losses) $193
Applicable income taxes $1,308
Income before extraordinary items $3,454
Extraordinary gains - net $0
Net income attributable to bank $3,454
Net charge-offs $0
Cash dividends $3,454
Sale, conversion, retirement of capital stock, net $549
Net operating income $825
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.86%
Cost of funding earning assets 0.47%
Net interest margin 3.39%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 2.72%
Net operating income to assets 0.81%
Return on assets (ROA) 0.85%
Pretax return on assets 1.17%
Return on equity (ROE) 8.30%
Retained earnings to average equity (YTD only) 6.32%
Net charge-offs to loans 0.32%
Credit loss provision to net charge-offs 71.95%
Efficiency ratio9.04%
Assets per employee$67,770
Cash dividends to net income (YTD only)3.94%
Condition Ratios (%)
Loss allowance to loans 23.89%
Loss allowance to noncurrent loans 0.96%
Noncurrent assets plus other real estate owned to assets 68.45%
Noncurrent loans to loans 1.32%
Net loans and leases to deposits1.40%
Net loans and leases to core deposits 45.18%
Equity capital to assets 46.10%
Core capital (leverage) ratio 10.17%
Tier 1 risk-based capital ratio 10.06%
Total risk-based capital ratio 20.75%
Memoranda
Average assets$22
Average earning assets$408,743
Average equity $41,604
Average loans $384,361
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8 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02083The First National Bank Of Granbury101 East Bridge, Granbury, TX 76048January 01, 1887Full Service Brick and Mortar
1196182144 BranchHighway 144 South, Granbury, TX 76048Febuary 21, 1991Full Service Brick and Mortar
2196183377 BranchHighway 377 East, Granbury, TX 76048January 17, 1989Full Service Brick and Mortar
3196184Acton Branch3000 Fall Creek Highway, Granbury, TX 76049April 15, 1996Full Service Brick and Mortar
4196185Mobile Branch101 East Bridge Street, Granbury, TX 76048April 15, 1996Limited Service Mobile
5196186Kroger Branch1421 Highway 377 East, Granbury, TX 76049April 08, 1996Full Service Retail
6364645Tolar Banking Center Branch8401 Hwy 377 West, Tolar, TX 76476September 20, 2001Full Service Brick and Mortar
7430086Pecan Plantation Branch9205 Plantation Road Suite 101, Granbury, TX 76049December 22, 2003Full Service Brick and Mortar
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