The Gratz National Bank in Gratz, Pennsylvania (PA)



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The Gratz National Bank
GeneralFDIC Certificate #: 14863
Status: Active
Federal Reserve ID: 557317
Bank Holding Company (Regulatory Top Holder): Gnb Financial Services, Inc. (RSSDID: 1140640, Location: Gratz, PA)
Date Established: November 03, 1934
WWW: http://www.gratzbank.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: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 12381
FDIC's unique #: 9303
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: November 03, 1934
Last Structure Change Effective Date: August 05, 2011
Last Structure Change Process Date: September 29, 2011
Last Data Update: September 29, 2011
Data Source Date: April 05, 2012
LocationAddress: 32 West Market Street, Gratz, PA 17030
County: Dauphin
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Harrisburg-Lebanon-Carlisle, PA (#3240)
Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $175.2 mil
Equity capital: $22.7 mil
Deposits held in domestic offices: $147.6 mil
Return on assets (ROA): 1.31% ($2.3 mil)
Quarterly return on assets: 0.83% ($1.5 mil)
Return on Equity (ROE): 10.30% ($2.4 mil)
Quarterly return on equity: 6.35% ($1.5 mil)
Net income: $2.1 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.83% ($3,206.4 mil)
Quarterly Pretax return on assets: 1.17% ($2,050.0 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)29
Total assets$175,213
Cash and due from depository institutions$19,077
Interest-bearing balances$13,918
Securities$34,969
Federal funds sold & reverse repurchase agreements$3,496
Net loans & leases$109,042
Loan loss allowance $1,468
Trading account assets$0
Bank premises and fixed assets$2,203
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$6,426
Life insurance assets$175,213
Total liabilities and capital$152,559
Total liabilities$147,613
Total deposits$129,415
Interest-bearing deposits$147,613
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,475
Other borrowed funds $0
Subordinated debt $1,471
All other liabilities $22,654
Total equity capital$22,654
Total bank equity capital$22,654
Perpetual preferred stock$0
Common stock$150
Surplus$8,551
Undivided profits $13,953
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,456
Earning assets $299
Long-term assets (5+ years) $562
Average Assets, year-to-date $161,425
Average Assets, quarterly $34,473
Volatile liabilities $157,355
Insider loans $173,154
FHLB advances $102,390
Loans and leases held for sale $174,883
Unused loan commitments $4,413
Tier 1 (core) risk-based capital $3,592
Tier 2 risk-based capital $22,426
Total risk weighted assets $0
Total unused commitments $821
Restructured Loans and leases $10,302
Derivatives$1,787
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,340
Total interest expense $1,415
Net interest income $5,925
Provision for loan and lease losses $125
Total noninterest income $618
Fiduciary activities $0
Service charges on deposit accounts $285
Trading account gains & fees $0
Additional noninterest income $333
Total noninterest expense $3,542
Salaries and employee benefits $1,677
Premises and equipment expense $347
Additional noninterest expense $1,518
Pre-tax net operating income $2,876
Securities gains (losses) $0
Applicable income taxes $820
Income before extraordinary items $2,056
Extraordinary gains - net $0
Net income attributable to bank $2,056
Net charge-offs $0
Cash dividends $2,056
Sale, conversion, retirement of capital stock, net -$23
Net operating income $696
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.06%
Cost of funding earning assets 0.98%
Net interest margin 4.09%
Noninterest income to earning assets 0.43%
Noninterest expense to earning assets 2.44%
Net operating income to assets 1.31%
Return on assets (ROA) 1.31%
Pretax return on assets 1.83%
Return on equity (ROE) 10.30%
Retained earnings to average equity (YTD only) 6.81%
Net charge-offs to loans -0.02%
Credit loss provision to net charge-offs -543.48%
Efficiency ratio0.00%
Assets per employee$54,134
Cash dividends to net income (YTD only)6.04%
Condition Ratios (%)
Loss allowance to loans 33.85%
Loss allowance to noncurrent loans 1.33%
Noncurrent assets plus other real estate owned to assets 100.82%
Noncurrent loans to loans 0.83%
Net loans and leases to deposits1.32%
Net loans and leases to core deposits 73.87%
Equity capital to assets 76.69%
Core capital (leverage) ratio 12.93%
Tier 1 risk-based capital ratio 12.82%
Total risk-based capital ratio 21.90%
Memoranda
Average assets$23
Average earning assets$157,355
Average equity $19,961
Average loans $144,993
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4 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09303The Gratz National Bank32 West Market Street, Gratz, PA 17030November 03, 1934Full Service Brick and Mortar
1232300Valley View Branch1625 West Main Street, Valley View, PA 17983October 07, 1996Full Service Brick and Mortar
2478818Herdon Office Branch4231 State Route 147, Herndon, PA 17830June 01, 2008Full Service Brick and Mortar
38649Herndon BranchMain Street, Herndon, PA 17830Febuary 01, 1934Full Service Brick and Mortar
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