Graham Savings and Loan, SSB in Graham, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Graham Savings and Loan, SSB in Graham, Texas (TX)
  • Show street view No street view available for this location
Graham Savings and Loan, SSB routing number info

Graham Savings and Loan, SSB - Overview

  • General
  • FDIC Certificate #: 29206
    Status: Active
    Federal Reserve ID: 839974
    Date Established: November 27, 1934
    WWW: http://www.grahamsl.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 3099
    FDIC's unique #: 42040
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: November 27, 1934
    Last Structure Change Effective Date: July 01, 2011
    Last Structure Change Process Date: July 15, 2011
    Last Data Update: July 15, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 745 Elm Street, Graham, TX 76450
    County: Young
    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
  • History of Changes
  • Name Change
    Change in Primary Regulatory Agency
    Change in Entity Type
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $132.5 mil
    Equity capital: $12.8 mil
    Deposits held in domestic offices: $113.3 mil
    Return on assets (ROA): 1.30% ($1.7 mil)
    Quarterly return on assets: 0.92% ($1.2 mil)
    Return on Equity (ROE): 13.97% ($1.8 mil)
    Quarterly return on equity: 9.81% ($1.3 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.30% ($1,723.0 mil)
    Quarterly Pretax return on assets: 0.92% ($1,219.4 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
  • 30Total employees (full-time equivalent)
  • $132,542Total assets
  • $22,291Cash and due from depository institutions
  • $21,458Interest-bearing balances
  • $8,336Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $97,414Net loans & leases
  • $1,168Loan loss allowance
  • $0Trading account assets
  • $944Bank premises and fixed assets
  • $1,771Other real estate owned
  • $0Goodwill and other intangibles
  • $132,542Life insurance assets
  • $1,786All other assets
  • $119,790Total liabilities and capital
  • $113,315Total liabilities
  • $108,482Total deposits
  • $113,315Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,076Trading liabilities
  • $0Other borrowed funds
  • $399Subordinated debt
  • $12,752All other liabilities
  • $12,752Total equity capital
  • $12,752Total bank equity capital
  • $0Perpetual preferred stock
  • $254Common stock
  • $1,939Surplus
  • $10,559Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $112Income earned, not collected on loans
  • $0Earning assets
  • $557Long-term assets (5+ years)
  • $127,208Average Assets, year-to-date
  • $55,845Average Assets, quarterly
  • $132,779Volatile liabilities
  • $133,736Insider loans
  • $71,905FHLB advances
  • $135,639Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,752Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $696Restructured Loans and leases
  • $418Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,917Total interest income
  • $2,116Total interest expense
  • $4,801Net interest income
  • $228Provision for loan and lease losses
  • $286Total noninterest income
  • $0Fiduciary activities
  • $157Service charges on deposit accounts
  • $0Trading account gains & fees
  • $129Additional noninterest income
  • $3,131Total noninterest expense
  • $1,503Salaries and employee benefits
  • $291Premises and equipment expense
  • $1,337Additional noninterest expense
  • $1,728Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,728Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,728Net income attributable to bank
  • $0Net charge-offs
  • $1,728Cash dividends
  • $121Sale, conversion, retirement of capital stock, net
  • $1,077Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.42%Yield on earning assets
  • 1.66%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 13.97%Return on equity (ROE)
  • 5.26%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 188.43%Credit loss provision to net charge-offs
  • 16.17%Efficiency ratio
  • 61,549Assets per employee
  • 4.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.33%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 1042.86%Noncurrent assets plus other real estate owned to assets
  • 1.42%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 85.97%Net loans and leases to core deposits
  • 97.01%Equity capital to assets
  • 9.62%Core capital (leverage) ratio
  • 9.40%Tier 1 risk-based capital ratio
  • 17.73%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $132,779Average earning assets
  • $12,369Average equity
  • $127,689Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042040Graham Savings And Loan, Ssb745 Elm Street, Graham, TX 76450November 27, 1934Full Service Brick and Mortar
    100273663Breckenridge Branch1116 W Walker, Breckenridge, TX 76424November 27, 1934Full Service Brick and Mortar
    101273664Possum Kingdom Branch1301 Park Rd 36, Graford, TX 76449November 27, 1934Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Graham Savings and Loan, SSB.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents