The First National Bank of Granbury in Granbury, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Granbury - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 108Total employees (full-time equivalent)
  • $425,209Total assets
  • $29,511Cash and due from depository institutions
  • $11,675Interest-bearing balances
  • $192,519Securities
  • $18,445Federal funds sold & reverse repurchase agreements
  • $171,994Net loans & leases
  • $1,660Loan loss allowance
  • $0Trading account assets
  • $4,946Bank premises and fixed assets
  • $3,198Other real estate owned
  • $0Goodwill and other intangibles
  • $425,209Life insurance assets
  • $4,596All other assets
  • $381,967Total liabilities and capital
  • $380,664Total liabilities
  • $295,441Total deposits
  • $380,664Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,303Subordinated debt
  • $43,242All other liabilities
  • $43,242Total equity capital
  • $43,242Total bank equity capital
  • $0Perpetual preferred stock
  • $550Common stock
  • $800Surplus
  • $41,892Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,029Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,425Income earned, not collected on loans
  • $0Earning assets
  • $1,834Long-term assets (5+ years)
  • $394,633Average Assets, year-to-date
  • $37,280Average Assets, quarterly
  • $408,743Volatile liabilities
  • $417,596Insider loans
  • $201,301FHLB advances
  • $415,342Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $41,763Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,834Restructured Loans and leases
  • $1,151Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,828Total interest income
  • $1,817Total interest expense
  • $13,011Net interest income
  • $395Provision for loan and lease losses
  • $2,391Total noninterest income
  • $0Fiduciary activities
  • $1,211Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,180Additional noninterest income
  • $10,438Total noninterest expense
  • $6,006Salaries and employee benefits
  • $866Premises and equipment expense
  • $3,566Additional noninterest expense
  • $4,569Pre-tax net operating income
  • $193Securities gains (losses)
  • $1,308Applicable income taxes
  • $3,454Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,454Net income attributable to bank
  • $0Net charge-offs
  • $3,454Cash dividends
  • $549Sale, conversion, retirement of capital stock, net
  • $825Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.86%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 8.30%Return on equity (ROE)
  • 6.32%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 71.95%Credit loss provision to net charge-offs
  • 9.04%Efficiency ratio
  • 67,770Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.89%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 68.45%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 1.40%Net loans and leases to deposits
  • 45.18%Net loans and leases to core deposits
  • 46.10%Equity capital to assets
  • 10.17%Core capital (leverage) ratio
  • 10.06%Tier 1 risk-based capital ratio
  • 20.75%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $408,743Average earning assets
  • $41,604Average equity
  • $384,361Average loans

List of branches

  • 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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