FDIC Certificate #: 18915 Status: Active Federal Reserve ID: 827953 Bank Holding Company (Regulatory Top Holder): First Graham Bancorp, Inc. (RSSDID: 1107700, Location: Graham, TX) Date Established: October 18, 1963 WWW:http://www.westsidebankandtrust.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 12762 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: October 18, 1963 Last Structure Change Effective Date: September 20, 2011 Last Structure Change Process Date: September 20, 2011 Last Data Update: September 20, 2011 Data Source Date: April 05, 2012
Location
Address: 1501 Summit Avenue, Fort Worth, TX 76102 County: Tarrant 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): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Fort Worth-Arlington, TX (#23104)
Financial Summary
Total assets: $52.5 mil Equity capital: $8.2 mil Deposits held in domestic offices: $44.2 mil Return on assets (ROA): -2.21% (-$1.1 mil) Quarterly return on assets: -1.21% (-$0.6 mil) Return on Equity (ROE): -13.98% (-$1.1 mil) Quarterly return on equity: -7.78% (-$0.6 mil) Net income: -$1.2 mil Quarterly Net income: -$0.2 mil Pretax return on assets: -2.21% (-$1,159.4 mil) Quarterly Pretax return on assets: -1.21% (-$634.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$52,463Total assets
$8,124Cash and due from depository institutions
$6,759Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$38,862Net loans & leases
$829Loan loss allowance
$0Trading account assets
$1,879Bank premises and fixed assets
$0Other real estate owned
$2,988Goodwill and other intangibles
$52,462Life insurance assets
$610All other assets
$44,213Total liabilities and capital
$44,177Total liabilities
$37,565Total deposits
$44,177Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$36Subordinated debt
$8,249All other liabilities
$8,249Total equity capital
$8,249Total bank equity capital
$0Perpetual preferred stock
$3,374Common stock
$6,650Surplus
$-1,775Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,902Income earned, not collected on loans
$50Earning assets
$114Long-term assets (5+ years)
$45,621Average Assets, year-to-date
$12,640Average Assets, quarterly
$53,057Volatile liabilities
$53,677Insider loans
$39,527FHLB advances
$51,173Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,261Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,189Restructured Loans and leases
$1,258Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,308Total interest income
$519Total interest expense
$1,789Net interest income
$1,030Provision for loan and lease losses
$154Total noninterest income
$0Fiduciary activities
$82Service charges on deposit accounts
$0Trading account gains & fees
$72Additional noninterest income
$2,088Total noninterest expense
$920Salaries and employee benefits
$198Premises and equipment expense
$970Additional noninterest expense
-$1,175Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$1,175Income before extraordinary items
$0Extraordinary gains - net
-$1,175Net income attributable to bank
$0Net charge-offs
-$1,175Cash dividends
$844Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.19%Yield on earning assets
1.17%Cost of funding earning assets
4.02%Net interest margin
0.35%Noninterest income to earning assets
4.69%Noninterest expense to earning assets
-2.21%Net operating income to assets
-2.21%Return on assets (ROA)
-2.21%Pretax return on assets
-13.98%Return on equity (ROE)
-13.98%Retained earnings to average equity (YTD only)
2.23%Net charge-offs to loans
122.04%Credit loss provision to net charge-offs
-0.17%Efficiency ratio
105,713Assets per employee
4.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.09%Loss allowance to noncurrent loans
28.57%Noncurrent assets plus other real estate owned to assets
5.53%Noncurrent loans to loans
7.31%Net loans and leases to deposits
87.97%Net loans and leases to core deposits
90.11%Equity capital to assets
15.72%Core capital (leverage) ratio
10.28%Tier 1 risk-based capital ratio
13.31%Total risk-based capital ratio
Memoranda
$15Average assets
$53,057Average earning assets
$8,407Average equity
$44,492Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12762
West Side Bank And Trust
1501 Summit Avenue, Fort Worth, TX 76102
October 18, 1963
Full Service Brick and Mortar
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