Amarillo National Bank in Amarillo, Texas (TX)

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Amarillo National Bank
GeneralFDIC Certificate #: 14531
Status: Active
Federal Reserve ID: 353555
Bank Holding Company (Regulatory Top Holder): Amarillo National Bancorp, Inc. (RSSDID: 1107205, Location: Amarillo, TX)
Date Established: January 01, 1892
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: 16 (Domestic: 16, Interstate: No)
OTS Docket #: 10978
FDIC's unique #: 9081
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 01, 2010
Last Structure Change Process Date: July 13, 2010
Last Data Update: July 13, 2010
Data Source Date: April 05, 2012
LocationAddress: 410 S Taylor, Amarillo, TX 79101
County: Potter
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Lubbock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Amarillo, TX (#320)
Core Based Statistical Area (CBSA): Amarillo, TX (#11100)
CBSA Metro Statistical Area: Amarillo, TX (#11100)
History of ChangesParticipated in Reorganization
Financial SummaryTotal assets: $3,157.1 mil
Equity capital: $323.1 mil
Deposits held in domestic offices: $2,561.6 mil
Return on assets (ROA): 2.28% ($72.0 mil)
Quarterly return on assets: 2.30% ($72.6 mil)
Return on Equity (ROE): 21.88% ($70.7 mil)
Quarterly return on equity: 22.46% ($72.5 mil)
Net income: $66.8 mil
Quarterly Net income: $17.8 mil
Pretax return on assets: 2.28% ($71,982.7 mil)
Quarterly Pretax return on assets: 2.30% ($72,614.1 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)
Total employees (full-time equivalent)647
Total assets$3,157,134
Cash and due from depository institutions$456,061
Interest-bearing balances$321,564
Federal funds sold & reverse repurchase agreements$6,164
Net loans & leases$2,180,830
Loan loss allowance $31,230
Trading account assets$0
Bank premises and fixed assets$47,481
Other real estate owned$2,210
Goodwill and other intangibles$5,097
All other assets$47,729
Life insurance assets$3,157,134
Total liabilities and capital$2,833,987
Total liabilities$2,561,566
Total deposits$1,758,700
Interest-bearing deposits$2,561,566
Deposits held in domestic offices$80
% insured (estimated)240140.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$16,394
Other borrowed funds $0
Subordinated debt $15,887
All other liabilities $323,147
Total equity capital$323,147
Total bank equity capital$323,147
Perpetual preferred stock$0
Common stock$5,000
Undivided profits $268,147
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $9,874
Earning assets $0
Long-term assets (5+ years) $11,591
Average Assets, year-to-date $2,920,120
Average Assets, quarterly $415,082
Volatile liabilities $2,931,335
Insider loans $3,103,160
FHLB advances $2,493,058
Loans and leases held for sale $3,134,796
Unused loan commitments $624
Tier 1 (core) risk-based capital $624
Tier 2 risk-based capital $324,605
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $795,034
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $114,652
Total interest expense $9,665
Net interest income $104,987
Provision for loan and lease losses $4,493
Total noninterest income $39,916
Fiduciary activities $9,537
Service charges on deposit accounts $9,508
Trading account gains & fees $0
Additional noninterest income $20,871
Total noninterest expense $73,620
Salaries and employee benefits $44,201
Premises and equipment expense $9,818
Additional noninterest expense $19,601
Pre-tax net operating income $66,790
Securities gains (losses) $35
Applicable income taxes $0
Income before extraordinary items $66,825
Extraordinary gains - net $0
Net income attributable to bank $66,825
Net charge-offs $0
Cash dividends $66,825
Sale, conversion, retirement of capital stock, net $4,314
Net operating income $33,681
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.22%
Cost of funding earning assets 0.36%
Net interest margin 3.87%
Noninterest income to earning assets 1.47%
Noninterest expense to earning assets 2.71%
Net operating income to assets 2.28%
Return on assets (ROA) 2.28%
Pretax return on assets 2.28%
Return on equity (ROE) 21.88%
Retained earnings to average equity (YTD only) 10.85%
Net charge-offs to loans 0.21%
Credit loss provision to net charge-offs 104.15%
Efficiency ratio16.52%
Assets per employee$50,791
Cash dividends to net income (YTD only)4.88%
Condition Ratios (%)
Loss allowance to loans 50.40%
Loss allowance to noncurrent loans 1.41%
Noncurrent assets plus other real estate owned to assets 316.29%
Noncurrent loans to loans 0.38%
Net loans and leases to deposits0.45%
Net loans and leases to core deposits 85.14%
Equity capital to assets 94.15%
Core capital (leverage) ratio 10.24%
Tier 1 risk-based capital ratio 10.35%
Total risk-based capital ratio 13.02%
Average assets$14
Average earning assets$2,931,335
Average equity $305,410
Average loans $2,715,933
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,750,861
Number of Accounts1
Personal trust and agency accounts$1,118,409
Employee benefit-defined contribution accounts$546,327
Employee benefit-defined benefit accounts$16,461
Other retirement accounts$26,173
Corporate trust and agency accounts$55,702
Investment management agency accounts$0
Other fiduciary accounts$321,212
Fiduciary accounts held in foreign offices$152,534
Non-managed Assets$0
Number of Accounts1743
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$55,701
Employee benefit-defined benefit accounts$0
Other retirement accounts$632,452
Corporate trust and agency accounts$281
Other fiduciary accounts$452,707
Fiduciary accounts held in foreign offices$21,943
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16 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09081Amarillo National Bank410 S Taylor, Amarillo, TX 79101January 01, 1892Full Service Brick and Mortar
19697Borger Branch301 West Sixth, Borger, TX 79007March 24, 1936Full Service Brick and Mortar
3231632Coulter Financial Center Branch2401 Coulter, Amarillo, TX 79106October 02, 1989Full Service Brick and Mortar
4231633Northeast Branch3507 Northeast 24th Street, Amarillo, TX 79107April 06, 1990Full Service Brick and Mortar
5231634Bell Branch4501 Bell, Amarillo, TX 79109January 02, 1991Full Service Brick and Mortar
1011896North Branch712 North Taylor Street, Amarillo, TX 79107Febuary 05, 1959Full Service Brick and Mortar
1116377Medical Center Drive-Up Branch7210 Interstate 40 West, Amarillo, TX 79106Febuary 02, 1981Limited Service Facility
12231635Georgia Financial Center Branch3101-3105 South Georgia, Amarillo, TX 79109May 02, 1994Full Service Brick and Mortar
13231636Western Drive-Up Branch4501 South Western, Amarillo, TX 79109June 19, 1995Limited Service Facility
14231637Drive-Up Plaza Branch1001 South Taylor, Amarillo, TX 79101December 01, 1979Limited Service Facility
15231638Soncy Branch3401 Soncy, Amarillo, TX 79121May 05, 1997Full Service Retail
16231639Www Anb Com410 S Taylor, Amarillo, TX 79101December 15, 1997Full Service Cyber
17231640Hillside Branch6000 Bell, Amarillo, TX 79109November 05, 1998Full Service Brick and Mortar
18231641United Branch2530 South Georgia, Amarillo, TX 79109January 12, 2000Full Service Retail
19430056Tascosa Road Branch550 Tascosa Road, Amarillo, TX 79124December 08, 2003Full Service Brick and Mortar
20500327Southeast Branch2401 South Grand Street, Amarillo, TX 79103December 30, 2009Full Service Brick and Mortar
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