FDIC Certificate #: 13983 Status: Active Federal Reserve ID: 560830 Bank Holding Company (Regulatory Top Holder): Granville Bancshares, Inc. (RSSDID: 1206171, Location: Granville, IL) Date Established: Febuary 27, 1934 WWW:http://www.gnbonline.com Trust Powers Granted: Yes 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 #: 8745 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: Febuary 27, 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: 328 South Mccoy Street, Granville, IL 61326 County: Putnam Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Princeton Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $49.5 mil Equity capital: $4.6 mil Deposits held in domestic offices: $44.7 mil Return on assets (ROA): 0.48% ($0.2 mil) Quarterly return on assets: 0.47% ($0.2 mil) Return on Equity (ROE): 5.14% ($0.3 mil) Quarterly return on equity: 5.06% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.61% ($302.1 mil) Quarterly Pretax return on assets: 0.62% ($307.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$49,527Total assets
$10,935Cash and due from depository institutions
$5,751Interest-bearing balances
$15,913Securities
$0Federal funds sold & reverse repurchase agreements
$21,640Net loans & leases
$339Loan loss allowance
$0Trading account assets
$303Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$49,527Life insurance assets
$736All other assets
$44,941Total liabilities and capital
$44,726Total liabilities
$37,791Total deposits
$44,726Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$215Subordinated debt
$4,586All other liabilities
$4,586Total equity capital
$4,586Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$100Surplus
$4,436Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$622Income earned, not collected on loans
$0Earning assets
$256Long-term assets (5+ years)
$43,304Average Assets, year-to-date
$11,557Average Assets, quarterly
$48,088Volatile liabilities
$49,698Insider loans
$22,523FHLB advances
$49,547Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,426Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$837Restructured Loans and leases
$1,108Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,566Total interest income
$296Total interest expense
$1,270Net interest income
$12Provision for loan and lease losses
$159Total noninterest income
$9Fiduciary activities
$65Service charges on deposit accounts
$0Trading account gains & fees
$85Additional noninterest income
$1,122Total noninterest expense
$575Salaries and employee benefits
$185Premises and equipment expense
$362Additional noninterest expense
$295Pre-tax net operating income
$0Securities gains (losses)
$64Applicable income taxes
$231Income before extraordinary items
$0Extraordinary gains - net
$231Net income attributable to bank
$0Net charge-offs
$231Cash dividends
-$21Sale, conversion, retirement of capital stock, net
$57Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.90%Yield on earning assets
0.74%Cost of funding earning assets
3.16%Net interest margin
0.40%Noninterest income to earning assets
2.80%Noninterest expense to earning assets
0.48%Net operating income to assets
0.48%Return on assets (ROA)
0.61%Pretax return on assets
5.14%Return on equity (ROE)
3.87%Retained earnings to average equity (YTD only)
-0.10%Net charge-offs to loans
-57.14%Credit loss provision to net charge-offs
0.00%Efficiency ratio
78,516Assets per employee
5.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
24.68%Loss allowance to loans
1.54%Loss allowance to noncurrent loans
54.50%Noncurrent assets plus other real estate owned to assets
1.26%Noncurrent loans to loans
2.83%Net loans and leases to deposits
48.38%Net loans and leases to core deposits
48.38%Equity capital to assets
9.26%Core capital (leverage) ratio
8.93%Tier 1 risk-based capital ratio
19.65%Total risk-based capital ratio
Memoranda
$21Average assets
$48,088Average earning assets
$4,497Average equity
$40,139Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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