FDIC Certificate #: 57102 Status: Active Federal Reserve ID: 3042234 Date Established: August 07, 2001 WWW:http://www.bankofbrenham.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 357743 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: August 07, 2001 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: 501 South Austin 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $93.3 mil Equity capital: $8.5 mil Deposits held in domestic offices: $84.0 mil Return on assets (ROA): 1.26% ($1.2 mil) Quarterly return on assets: 0.89% ($0.8 mil) Return on Equity (ROE): 14.09% ($1.3 mil) Quarterly return on equity: 9.61% ($0.9 mil) Net income: $1.1 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.62% ($1,511.3 mil) Quarterly Pretax return on assets: 1.18% ($1,100.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$93,290Total assets
$7,105Cash and due from depository institutions
$5,644Interest-bearing balances
$41,558Securities
$1,030Federal funds sold & reverse repurchase agreements
$40,759Net loans & leases
$687Loan loss allowance
$0Trading account assets
$1,839Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$93,290Life insurance assets
$999All other assets
$84,766Total liabilities and capital
$84,020Total liabilities
$64,882Total deposits
$84,020Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$746Subordinated debt
$8,524All other liabilities
$8,524Total equity capital
$8,524Total bank equity capital
$0Perpetual preferred stock
$2,240Common stock
$2,263Surplus
$4,021Undivided profits
Memoranda
$0Noncurrent loans and leases
$889Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$545Income earned, not collected on loans
$0Earning assets
$463Long-term assets (5+ years)
$88,991Average Assets, year-to-date
$37,872Average Assets, quarterly
$89,468Volatile liabilities
$92,300Insider loans
$43,287FHLB advances
$93,128Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,997Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,330Restructured Loans and leases
$3,068Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,807Total interest income
$511Total interest expense
$3,296Net interest income
$84Provision for loan and lease losses
$411Total noninterest income
$0Fiduciary activities
$266Service charges on deposit accounts
$0Trading account gains & fees
$145Additional noninterest income
$2,346Total noninterest expense
$1,319Salaries and employee benefits
$207Premises and equipment expense
$820Additional noninterest expense
$1,277Pre-tax net operating income
$174Securities gains (losses)
$324Applicable income taxes
$1,127Income before extraordinary items
$0Extraordinary gains - net
$1,127Net income attributable to bank
$0Net charge-offs
$1,127Cash dividends
$83Sale, conversion, retirement of capital stock, net
$269Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.46%Yield on earning assets
0.60%Cost of funding earning assets
3.86%Net interest margin
0.48%Noninterest income to earning assets
2.75%Noninterest expense to earning assets
1.11%Net operating income to assets
1.26%Return on assets (ROA)
1.62%Pretax return on assets
14.09%Return on equity (ROE)
10.72%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
101.20%Credit loss provision to net charge-offs
16.40%Efficiency ratio
63,286Assets per employee
4.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.87%Loss allowance to loans
1.66%Loss allowance to noncurrent loans
126.06%Noncurrent assets plus other real estate owned to assets
0.58%Noncurrent loans to loans
1.31%Net loans and leases to deposits
48.51%Net loans and leases to core deposits
50.46%Equity capital to assets
9.14%Core capital (leverage) ratio
8.59%Tier 1 risk-based capital ratio
18.47%Total risk-based capital ratio
Memoranda
$20Average assets
$89,468Average earning assets
$8,001Average equity
$85,318Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
357743
Bank Of Brenham, National Association
501 South Austin Street, Brenham, TX 77833
August 07, 2001
Full Service Brick and Mortar
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