FDIC Certificate #: 24038 Status: Active Federal Reserve ID: 863362 Bank Holding Company (Regulatory Top Holder): Gulfport Bancshares Of Delaware, Inc. (RSSDID: 3530218, Location: Richwood, TX) Date Established: August 02, 1982 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 #: 16754 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: Yes Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: August 02, 1982 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: 2300 State Highway 288 - (Richwood), Clute, TX 77531 County: Brazoria Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Brazoria, TX (#1145) Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42) Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420) CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $26.2 mil Equity capital: $4.4 mil Deposits held in domestic offices: $15.7 mil Return on assets (ROA): 0.84% ($0.2 mil) Quarterly return on assets: -1.37% (-$0.4 mil) Return on Equity (ROE): 4.81% ($0.2 mil) Quarterly return on equity: -7.74% (-$0.3 mil) Net income: $0.2 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.84% ($220.2 mil) Quarterly Pretax return on assets: -1.37% (-$359.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
26Total employees (full-time equivalent)
$26,217Total assets
$6,322Cash and due from depository institutions
$5,662Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$17,056Net loans & leases
$130Loan loss allowance
$0Trading account assets
$1,005Bank premises and fixed assets
$0Other real estate owned
$1,213Goodwill and other intangibles
$26,217Life insurance assets
$621All other assets
$21,783Total liabilities and capital
$15,655Total liabilities
$10,812Total deposits
$15,655Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,100Trading liabilities
$0Other borrowed funds
$28Subordinated debt
$4,434All other liabilities
$4,434Total equity capital
$4,434Total bank equity capital
$0Perpetual preferred stock
$750Common stock
$2,856Surplus
$828Undivided profits
Memoranda
$0Noncurrent loans and leases
$5,051Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$70Long-term assets (5+ years)
$22,718Average Assets, year-to-date
$7,096Average Assets, quarterly
$25,740Volatile liabilities
$25,748Insider loans
$20,742FHLB advances
$23,724Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,221Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$277Restructured Loans and leases
$338Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,137Total interest income
$76Total interest expense
$1,061Net interest income
$8Provision for loan and lease losses
$2,096Total noninterest income
$0Fiduciary activities
$89Service charges on deposit accounts
$0Trading account gains & fees
$2,007Additional noninterest income
$2,933Total noninterest expense
$1,968Salaries and employee benefits
$133Premises and equipment expense
$832Additional noninterest expense
$216Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$216Income before extraordinary items
$0Extraordinary gains - net
$216Net income attributable to bank
$0Net charge-offs
$216Cash dividends
$3Sale, conversion, retirement of capital stock, net
$145Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.20%Yield on earning assets
0.35%Cost of funding earning assets
4.86%Net interest margin
9.59%Noninterest income to earning assets
13.43%Noninterest expense to earning assets
0.84%Net operating income to assets
0.84%Return on assets (ROA)
0.84%Pretax return on assets
4.81%Return on equity (ROE)
1.58%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
266.67%Credit loss provision to net charge-offs
74.67%Efficiency ratio
92,905Assets per employee
1.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
67.13%Loss allowance to loans
0.76%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
108.95%Net loans and leases to core deposits
110.75%Equity capital to assets
16.91%Core capital (leverage) ratio
13.58%Tier 1 risk-based capital ratio
15.53%Total risk-based capital ratio
Memoranda
$16Average assets
$25,740Average earning assets
$4,489Average equity
$21,845Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
16754
Brazos National Bank
2300 State Highway 288 - (Richwood), Clute, TX 77531
August 02, 1982
Full Service Brick and Mortar
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