FDIC Certificate #: 3219 Status: Active Federal Reserve ID: 323651 Bank Holding Company (Regulatory Top Holder): Gilmer National Bancshares, Inc. (RSSDID: 2839969, Location: Gilmer, TX) Date Established: May 01, 1901 WWW:http://www.gnbgilmer.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 #: 2075 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: 900 North Wood Street, Gilmer, TX 75644 County: Upshur 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): Longview-Marshall, TX (#4420) Combined Statistical Area (CSA): Longview-Marshall, TX (#346) Core Based Statistical Area (CBSA): Longview, TX (#30980) CBSA Metro Statistical Area: Longview, TX (#30980)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $195.1 mil Equity capital: $25.7 mil Deposits held in domestic offices: $168.8 mil Return on assets (ROA): 1.09% ($2.1 mil) Quarterly return on assets: 1.05% ($2.0 mil) Return on Equity (ROE): 8.16% ($2.1 mil) Quarterly return on equity: 7.89% ($2.1 mil) Net income: $2.1 mil Quarterly Net income: $0.5 mil Pretax return on assets: 1.39% ($2,711.7 mil) Quarterly Pretax return on assets: 1.39% ($2,711.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
44Total employees (full-time equivalent)
$195,084Total assets
$8,325Cash and due from depository institutions
$3,678Interest-bearing balances
$58,189Securities
$8,814Federal funds sold & reverse repurchase agreements
$112,517Net loans & leases
$2,447Loan loss allowance
$0Trading account assets
$1,814Bank premises and fixed assets
$326Other real estate owned
$0Goodwill and other intangibles
$195,084Life insurance assets
$5,099All other assets
$169,344Total liabilities and capital
$168,823Total liabilities
$149,543Total deposits
$168,823Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$521Subordinated debt
$25,740All other liabilities
$25,740Total equity capital
$25,740Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$1,500Surplus
$23,740Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,932Income earned, not collected on loans
$0Earning assets
$1,913Long-term assets (5+ years)
$183,198Average Assets, year-to-date
$68,135Average Assets, quarterly
$190,163Volatile liabilities
$193,618Insider loans
$115,794FHLB advances
$194,957Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$25,559Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,794Restructured Loans and leases
$2,902Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$9,049Total interest income
$1,934Total interest expense
$7,115Net interest income
$1,000Provision for loan and lease losses
$833Total noninterest income
$0Fiduciary activities
$712Service charges on deposit accounts
$0Trading account gains & fees
$121Additional noninterest income
$4,654Total noninterest expense
$3,049Salaries and employee benefits
$424Premises and equipment expense
$1,181Additional noninterest expense
$2,294Pre-tax net operating income
$347Securities gains (losses)
$577Applicable income taxes
$2,064Income before extraordinary items
$0Extraordinary gains - net
$2,064Net income attributable to bank
$0Net charge-offs
$2,064Cash dividends
$848Sale, conversion, retirement of capital stock, net
$925Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.08%Yield on earning assets
1.09%Cost of funding earning assets
4.00%Net interest margin
0.47%Noninterest income to earning assets
2.61%Noninterest expense to earning assets
0.94%Net operating income to assets
1.09%Return on assets (ROA)
1.39%Pretax return on assets
8.16%Return on equity (ROE)
4.50%Retained earnings to average equity (YTD only)
0.76%Net charge-offs to loans
117.92%Credit loss provision to net charge-offs
3.88%Efficiency ratio
58,556Assets per employee
4.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.82%Loss allowance to loans
2.13%Loss allowance to noncurrent loans
126.66%Noncurrent assets plus other real estate owned to assets
1.16%Noncurrent loans to loans
1.68%Net loans and leases to deposits
66.65%Net loans and leases to core deposits
72.35%Equity capital to assets
13.19%Core capital (leverage) ratio
13.11%Tier 1 risk-based capital ratio
22.07%Total risk-based capital ratio
Memoranda
$23Average assets
$190,163Average earning assets
$25,305Average equity
$178,079Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2075
Gilmer National Bank, Gilmer, Texas
900 North Wood Street, Gilmer, TX 75644
May 01, 1901
Full Service Brick and Mortar
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