The First National Bank of Granbury in city_name, state_name

The First National Bank of Granbury in Granbury, Texas (TX)
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The First National Bank of Granbury routing number info

The First National Bank of Granbury - Overview

General
FDIC Certificate #: 3228
Status: Active
Federal Reserve ID: 329952
Bank Holding Company (Regulatory Top Holder): First Granbury Bancorporation (RSSDID: 1105528, Location: Granbury, TX)
Date Established: January 01, 1887
WWW: http://www.fnbgranbury.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: 8 (Domestic: 8, Interstate: No)
FDIC's unique #: 2083
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: 101 East Bridge, Granbury, TX 76048
County: Hood
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): Fort Worth-Arlington, TX (#2800)
Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Granbury, TX (#24180)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $425.2 mil
Equity capital: $43.2 mil
Deposits held in domestic offices: $380.7 mil
Return on assets (ROA): 0.85% ($3.6 mil)
Quarterly return on assets: 0.88% ($3.7 mil)
Return on Equity (ROE): 8.30% ($3.6 mil)
Quarterly return on equity: 8.48% ($3.6 mil)
Net income: $3.5 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.17% ($4,974.9 mil)
Quarterly Pretax return on assets: 1.16% ($4,932.4 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
108Total employees (full-time equivalent)
$425,209Total assets
$29,511Cash and due from depository institutions
$11,675Interest-bearing balances
$192,519Securities
$18,445Federal funds sold & reverse repurchase agreements
$171,994Net loans & leases
$1,660Loan loss allowance
$0Trading account assets
$4,946Bank premises and fixed assets
$3,198Other real estate owned
$0Goodwill and other intangibles
$425,209Life insurance assets
$4,596All other assets
$381,967Total liabilities and capital
$380,664Total liabilities
$295,441Total deposits
$380,664Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,303Subordinated debt
$43,242All other liabilities
$43,242Total equity capital
$43,242Total bank equity capital
$0Perpetual preferred stock
$550Common stock
$800Surplus
$41,892Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,029Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,425Income earned, not collected on loans
$0Earning assets
$1,834Long-term assets (5+ years)
$394,633Average Assets, year-to-date
$37,280Average Assets, quarterly
$408,743Volatile liabilities
$417,596Insider loans
$201,301FHLB advances
$415,342Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$41,763Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,834Restructured Loans and leases
$1,151Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$14,828Total interest income
$1,817Total interest expense
$13,011Net interest income
$395Provision for loan and lease losses
$2,391Total noninterest income
$0Fiduciary activities
$1,211Service charges on deposit accounts
$0Trading account gains & fees
$1,180Additional noninterest income
$10,438Total noninterest expense
$6,006Salaries and employee benefits
$866Premises and equipment expense
$3,566Additional noninterest expense
$4,569Pre-tax net operating income
$193Securities gains (losses)
$1,308Applicable income taxes
$3,454Income before extraordinary items
$0Extraordinary gains - net
$3,454Net income attributable to bank
$0Net charge-offs
$3,454Cash dividends
$549Sale, conversion, retirement of capital stock, net
$825Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.86%Yield on earning assets
0.47%Cost of funding earning assets
3.39%Net interest margin
0.62%Noninterest income to earning assets
2.72%Noninterest expense to earning assets
0.81%Net operating income to assets
0.85%Return on assets (ROA)
1.17%Pretax return on assets
8.30%Return on equity (ROE)
6.32%Retained earnings to average equity (YTD only)
0.32%Net charge-offs to loans
71.95%Credit loss provision to net charge-offs
9.04%Efficiency ratio
67,770Assets per employee
3.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.89%Loss allowance to loans
0.96%Loss allowance to noncurrent loans
68.45%Noncurrent assets plus other real estate owned to assets
1.32%Noncurrent loans to loans
1.40%Net loans and leases to deposits
45.18%Net loans and leases to core deposits
46.10%Equity capital to assets
10.17%Core capital (leverage) ratio
10.06%Tier 1 risk-based capital ratio
20.75%Total risk-based capital ratio
Memoranda
$22Average assets
$408,743Average earning assets
$41,604Average equity
$384,361Average loans

List of branches

8 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2083	The First National Bank Of Granbury	101 East Bridge, Granbury, TX 76048	January 01, 1887	Full Service Brick and Mortar
1	196182	144 Branch	Highway 144 South, Granbury, TX 76048	Febuary 21, 1991	Full Service Brick and Mortar
2	196183	377 Branch	Highway 377 East, Granbury, TX 76048	January 17, 1989	Full Service Brick and Mortar
3	196184	Acton Branch	3000 Fall Creek Highway, Granbury, TX 76049	April 15, 1996	Full Service Brick and Mortar
4	196185	Mobile Branch	101 East Bridge Street, Granbury, TX 76048	April 15, 1996	Limited Service Mobile
5	196186	Kroger Branch	1421 Highway 377 East, Granbury, TX 76049	April 08, 1996	Full Service Retail
6	364645	Tolar Banking Center Branch	8401 Hwy 377 West, Tolar, TX 76476	September 20, 2001	Full Service Brick and Mortar
7	430086	Pecan Plantation Branch	9205 Plantation Road Suite 101, Granbury, TX 76049	December 22, 2003	Full Service Brick and Mortar

The First National Bank of Granbury in Granbury, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Granbury - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

The First National Bank of Granbury in Granbury, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Granbury - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

The First National Bank of Granbury in Granbury, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches