FDIC Certificate #: 3232 Status: Active Federal Reserve ID: 272151 Bank Holding Company (Regulatory Top Holder): Granger Bancshares, Inc. (RSSDID: 1137257, Location: Granger, TX) Date Established: March 08, 1920 WWW:http://www.grangernationalbank.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 #: 2085 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 201 West Davilla, Granger, TX 76530 County: Williamson 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 Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640) Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126) Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420) CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
History of Changes
Change in Location
Financial Summary
Total assets: $29.2 mil Equity capital: $4.6 mil Deposits held in domestic offices: $24.3 mil Return on assets (ROA): 0.73% ($0.2 mil) Quarterly return on assets: 0.48% ($0.1 mil) Return on Equity (ROE): 4.95% ($0.2 mil) Quarterly return on equity: 3.03% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.75% ($219.3 mil) Quarterly Pretax return on assets: 0.48% ($140.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$29,237Total assets
$5,561Cash and due from depository institutions
$4,320Interest-bearing balances
$18,105Securities
$0Federal funds sold & reverse repurchase agreements
$5,245Net loans & leases
$215Loan loss allowance
$0Trading account assets
$42Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,237Life insurance assets
$284All other assets
$24,618Total liabilities and capital
$24,292Total liabilities
$18,831Total deposits
$24,292Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$326Subordinated debt
$4,619All other liabilities
$4,619Total equity capital
$4,619Total bank equity capital
$0Perpetual preferred stock
$155Common stock
$155Surplus
$4,309Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$201Long-term assets (5+ years)
$27,670Average Assets, year-to-date
$15,518Average Assets, quarterly
$28,607Volatile liabilities
$29,212Insider loans
$11,161FHLB advances
$29,468Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,017Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,048Total interest income
$166Total interest expense
$882Net interest income
$0Provision for loan and lease losses
$133Total noninterest income
$0Fiduciary activities
$107Service charges on deposit accounts
$0Trading account gains & fees
$26Additional noninterest income
$801Total noninterest expense
$441Salaries and employee benefits
$43Premises and equipment expense
$317Additional noninterest expense
$214Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
$210Income before extraordinary items
$0Extraordinary gains - net
$210Net income attributable to bank
$0Net charge-offs
$210Cash dividends
$0Sale, conversion, retirement of capital stock, net
$31Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.94%Yield on earning assets
0.62%Cost of funding earning assets
3.31%Net interest margin
0.50%Noninterest income to earning assets
3.01%Noninterest expense to earning assets
0.73%Net operating income to assets
0.73%Return on assets (ROA)
0.75%Pretax return on assets
4.95%Return on equity (ROE)
4.22%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
78,916Assets per employee
3.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
14.76%Loss allowance to loans
3.94%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
21.59%Net loans and leases to core deposits
22.07%Equity capital to assets
15.80%Core capital (leverage) ratio
13.63%Tier 1 risk-based capital ratio
35.99%Total risk-based capital ratio
Memoranda
$37Average assets
$28,607Average earning assets
$4,239Average equity
$26,621Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2085
The Granger National Bank
201 West Davilla, Granger, TX 76530
March 08, 1920
Full Service Brick and Mortar
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