American National Bank in Wichita Falls, Texas (TX)
| American National Bank | |
|---|---|
| General | FDIC Certificate #: 22373 Status: Active Federal Reserve ID: 498362 Bank Holding Company (Regulatory Top Holder): Ameribancshares, Inc. (RSSDID: 2507183, Location: Wichita Falls, TX) Date Established: November 29, 1976 WWW: http://www.amnat.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: 6 (Domestic: 6, Interstate: No) OTS Docket #: 10059 FDIC's unique #: 15580 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: Commercial Lending Specialization Date of Deposit Insurance: November 29, 1976 Last Structure Change Effective Date: August 08, 2007 Last Structure Change Process Date: September 14, 2007 Last Data Update: September 14, 2007 Data Source Date: Febuary 17, 2011 |
| Location | Address: 2732a Midwestern Parkway, Wichita Falls, TX 76308 County: Wichita 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): Wichita Falls, TX (#9080) Core Based Statistical Area (CBSA): Wichita Falls, TX (#48660) CBSA Metro Statistical Area: Wichita Falls, TX (#48660) |
| Financial Summary | Total assets: $49.6 mil Equity capital: $4.3 mil Deposits held in domestic offices: $40.2 mil Return on assets (ROA): 0.57% ($0.3 mil) Quarterly return on assets: 0.96% ($0.5 mil) Return on Equity (ROE): 1.06.1958% ($0.0 mil) Quarterly return on equity: 1.10.1993% ($0.0 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.80% ($397.0 mil) Quarterly Pretax return on assets: 1.01.1939% ($501.2 mil) |
| Assets and Liabilities (December 31, 2010) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 135 |
| Total assets | $464,216 |
| Cash and due from depository institutions | $29,949 |
| Interest-bearing balances | $21,786 |
| Securities | $80,533 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $307,332 |
| Loan loss allowance | $5,738 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $13,360 |
| Other real estate owned | $5,196 |
| Goodwill and other intangibles | $5,411 |
| All other assets | $22,435 |
| Life insurance assets | $11,305 |
| Total liabilities and capital | $464,216 |
| Total liabilities | $421,265 |
| Total deposits | $400,418 |
| Interest-bearing deposits | $315,384 |
| Deposits held in domestic offices | $400,418 |
| % insured (estimated) | 83.62% |
| Federal funds purchased & repurchase agreements | $2,988 |
| Trading liabilities | $0 |
| Other borrowed funds | $11,006 |
| Subordinated debt | $0 |
| All other liabilities | $6,853 |
| Total equity capital | $42,951 |
| Total bank equity capital | $42,951 |
| Perpetual preferred stock | $42,951 |
| Common stock | $0 |
| Surplus | $1,680 |
| Undivided profits | $7,091 |
| Memoranda | |
| Noncurrent loans and leases | $34,180 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $38,238 |
| Income earned, not collected on loans | $0 |
| Earning assets | $8,457 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $2,066 |
| Average Assets, quarterly | $409,651 |
| Volatile liabilities | $53,195 |
| Insider loans | $483,897 |
| FHLB advances | $480,213 |
| Loans and leases held for sale | $100,963 |
| Unused loan commitments | $9,699 |
| Tier 1 (core) risk-based capital | $11,006 |
| Tier 2 risk-based capital | $5,896 |
| Total risk weighted assets | $3,380 |
| Total unused commitments | $38,238 |
| Restructured Loans and leases | $0 |
| Derivatives | $4,204 |
| Income and Expense (December 31, 2010) (Dollar figures in thousands) | |
| Total interest income | $19,500 |
| Total interest expense | $4,111 |
| Net interest income | $15,389 |
| Provision for loan and lease losses | $2,117 |
| Total noninterest income | $9,071 |
| Fiduciary activities | $3,774 |
| Service charges on deposit accounts | $517 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $4,780 |
| Total noninterest expense | $18,664 |
| Salaries and employee benefits | $9,914 |
| Premises and equipment expense | $2,625 |
| Additional noninterest expense | $6,125 |
| Pre-tax net operating income | $3,679 |
| Securities gains (losses) | $80 |
| Applicable income taxes | $960 |
| Income before extraordinary items | $2,799 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $2,799 |
| Net charge-offs | $0 |
| Cash dividends | $2,799 |
| Sale, conversion, retirement of capital stock, net | $75 |
| Net operating income | $1,338 |
| Performance and Condition Ratios (December 31, 2010) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.54% |
| Cost of funding earning assets | 0.96% |
| Net interest margin | 3.58% |
| Noninterest income to earning assets | 2.11% |
| Noninterest expense to earning assets | 4.35% |
| Net operating income to assets | 0.57% |
| Return on assets (ROA) | 0.58% |
| Pretax return on assets | 0.78% |
| Return on equity (ROE) | 6.61% |
| Retained earnings to average equity (YTD only) | 3.45% |
| Net charge-offs to loans | 0.02% |
| Credit loss provision to net charge-offs | 2822.67% |
| Efficiency ratio | 77.28% |
| Assets per employee | $75,507 |
| Cash dividends to net income (YTD only) | 3.44% |
| Condition Ratios (%) | |
| Loss allowance to loans | 47.80% |
| Loss allowance to noncurrent loans | 1.83% |
| Noncurrent assets plus other real estate owned to assets | 67.85% |
| Noncurrent loans to loans | 2.94% |
| Net loans and leases to deposits | 2.70% |
| Net loans and leases to core deposits | 76.75% |
| Equity capital to assets | 101.44% |
| Core capital (leverage) ratio | 9.25% |
| Tier 1 risk-based capital ratio | 7.92% |
| Total risk-based capital ratio | 11.38% |
| Memoranda | |
| Average assets | $13 |
| Average earning assets | $483,897 |
| Average equity | $42,359 |
| Average loans | $429,331 |
| Total Fiduciary and Related Assets (December 31, 2010) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $451,653 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $406,806 |
| Employee benefit-defined contribution accounts | $116,545 |
| Employee benefit-defined benefit accounts | $10,776 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $14,483 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $174,724 |
| Fiduciary accounts held in foreign offices | $90,278 |
| Non-managed Assets | $0 |
| Number of Accounts | 542 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $14,483 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $44,847 |
| Corporate trust and agency accounts | $31,820 |
| Other fiduciary accounts | $12,178 |
| Fiduciary accounts held in foreign offices | $0 |
| 6 Texas Branches as of Febuary 17, 2011 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 15580 | American National Bank | 2732a Midwestern Parkway, Wichita Falls, TX 76308 | November 29, 1976 | Full Service Brick and Mortar |  |
| 1 | 254474 | Flower Mound Branch | 1201 Cross Timbers Road, Flower Mound, TX 75028 | November 02, 1998 | Full Service Brick and Mortar |  |
| 2 | 254475 | 219 West Park Branch | 219 West Park, Iowa Park, TX 76367 | March 01, 2000 | Full Service Brick and Mortar | |
| 3 | 466827 | Archer City Branch | 111 S. Center, Archer City, TX 76351 | April 16, 2007 | Full Service Brick and Mortar | |
| 4 | 44020 | Downtown Wichita Falls Branch | 719 Scott Ave, Wichita Falls, TX 76301 | December 29, 1960 | Full Service Brick and Mortar | |
| 5 | 493122 | Elmwood Branch | 1920 Elmwood Ave N., Wichita Falls, TX 76308 | December 15, 2008 | Full Service Brick and Mortar | |
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