The Gratz National Bank in Gratz, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Gratz National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 29Total employees (full-time equivalent)
  • $175,213Total assets
  • $19,077Cash and due from depository institutions
  • $13,918Interest-bearing balances
  • $34,969Securities
  • $3,496Federal funds sold & reverse repurchase agreements
  • $109,042Net loans & leases
  • $1,468Loan loss allowance
  • $0Trading account assets
  • $2,203Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $175,213Life insurance assets
  • $6,426All other assets
  • $152,559Total liabilities and capital
  • $147,613Total liabilities
  • $129,415Total deposits
  • $147,613Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,475Trading liabilities
  • $0Other borrowed funds
  • $1,471Subordinated debt
  • $22,654All other liabilities
  • $22,654Total equity capital
  • $22,654Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $8,551Surplus
  • $13,953Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,456Income earned, not collected on loans
  • $299Earning assets
  • $562Long-term assets (5+ years)
  • $161,425Average Assets, year-to-date
  • $34,473Average Assets, quarterly
  • $157,355Volatile liabilities
  • $173,154Insider loans
  • $102,390FHLB advances
  • $174,883Loans and leases held for sale
  • $4,413Unused loan commitments
  • $3,592Tier 1 (core) risk-based capital
  • $22,426Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $821Total unused commitments
  • $10,302Restructured Loans and leases
  • $1,787Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,340Total interest income
  • $1,415Total interest expense
  • $5,925Net interest income
  • $125Provision for loan and lease losses
  • $618Total noninterest income
  • $0Fiduciary activities
  • $285Service charges on deposit accounts
  • $0Trading account gains & fees
  • $333Additional noninterest income
  • $3,542Total noninterest expense
  • $1,677Salaries and employee benefits
  • $347Premises and equipment expense
  • $1,518Additional noninterest expense
  • $2,876Pre-tax net operating income
  • $0Securities gains (losses)
  • $820Applicable income taxes
  • $2,056Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,056Net income attributable to bank
  • $0Net charge-offs
  • $2,056Cash dividends
  • -$23Sale, conversion, retirement of capital stock, net
  • $696Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.44%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.83%Pretax return on assets
  • 10.30%Return on equity (ROE)
  • 6.81%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -543.48%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 54,134Assets per employee
  • 6.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.85%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 100.82%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 1.32%Net loans and leases to deposits
  • 73.87%Net loans and leases to core deposits
  • 76.69%Equity capital to assets
  • 12.93%Core capital (leverage) ratio
  • 12.82%Tier 1 risk-based capital ratio
  • 21.90%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $157,355Average earning assets
  • $19,961Average equity
  • $144,993Average loans

List of branches

  • 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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