American Bank, National Association in Woodway, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


American Bank, National Association - Overview

  • General
  • FDIC Certificate #: 23886
    Status: Active
    Federal Reserve ID: 307361
    Bank Holding Company (Regulatory Top Holder): American National Bancshares, Inc. (RSSDID: 1110045, Location: Waco, TX)
    Date Established: June 11, 1982
    WWW: http://www.ambankwaco.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: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10721
    FDIC's unique #: 16685
    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: June 11, 1982
    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: 200 West State Highway 6, Woodway, TX 76710
    County: Mclennan
    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): Waco, TX (#8800)
    Core Based Statistical Area (CBSA): Waco, TX (#47380)
    CBSA Metro Statistical Area: Waco, TX (#47380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $357.2 mil
    Equity capital: $37.6 mil
    Deposits held in domestic offices: $302.7 mil
    Return on assets (ROA): 0.43% ($1.5 mil)
    Quarterly return on assets: 0.06% ($0.2 mil)
    Return on Equity (ROE): 4.23% ($1.6 mil)
    Quarterly return on equity: 0.61% ($0.2 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.62% ($2,214.7 mil)
    Quarterly Pretax return on assets: 0.06% ($214.3 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
  • 88Total employees (full-time equivalent)
  • $357,205Total assets
  • $18,615Cash and due from depository institutions
  • $11,260Interest-bearing balances
  • $89,433Securities
  • $13,270Federal funds sold & reverse repurchase agreements
  • $230,731Net loans & leases
  • $3,170Loan loss allowance
  • $0Trading account assets
  • $2,444Bank premises and fixed assets
  • $57Other real estate owned
  • $0Goodwill and other intangibles
  • $357,205Life insurance assets
  • $2,655All other assets
  • $319,600Total liabilities and capital
  • $302,716Total liabilities
  • $249,076Total deposits
  • $302,716Interest-bearing deposits
  • $65Deposits held in domestic offices
  • 14213.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,037Trading liabilities
  • $0Other borrowed funds
  • $634Subordinated debt
  • $37,605All other liabilities
  • $37,605Total equity capital
  • $37,605Total bank equity capital
  • $0Perpetual preferred stock
  • $2,075Common stock
  • $6,148Surplus
  • $29,382Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $41Income earned, not collected on loans
  • $0Earning assets
  • $1,131Long-term assets (5+ years)
  • $344,694Average Assets, year-to-date
  • $96,304Average Assets, quarterly
  • $364,083Volatile liabilities
  • $363,084Insider loans
  • $235,748FHLB advances
  • $361,887Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $35,940Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,768Restructured Loans and leases
  • $604Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,584Total interest income
  • $2,915Total interest expense
  • $12,669Net interest income
  • $1,670Provision for loan and lease losses
  • $1,247Total noninterest income
  • $0Fiduciary activities
  • $1,038Service charges on deposit accounts
  • $0Trading account gains & fees
  • $209Additional noninterest income
  • $10,031Total noninterest expense
  • $5,513Salaries and employee benefits
  • $876Premises and equipment expense
  • $3,642Additional noninterest expense
  • $2,215Pre-tax net operating income
  • $46Securities gains (losses)
  • $706Applicable income taxes
  • $1,555Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,555Net income attributable to bank
  • $0Net charge-offs
  • $1,555Cash dividends
  • $1,382Sale, conversion, retirement of capital stock, net
  • $724Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.43%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 4.23%Return on equity (ROE)
  • 2.26%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 120.84%Credit loss provision to net charge-offs
  • 2.81%Efficiency ratio
  • 72,082Assets per employee
  • 4.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.56%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 7731.71%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 76.22%Net loans and leases to core deposits
  • 94.05%Equity capital to assets
  • 10.53%Core capital (leverage) ratio
  • 9.93%Tier 1 risk-based capital ratio
  • 15.25%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $364,083Average earning assets
  • $36,727Average equity
  • $351,787Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016685American Bank, National Association200 West State Highway 6, Woodway, TX 76710June 11, 1982Full Service Brick and Mortar
    111192East BranchInterstate Highway 35 And Loop 340, Waco, TX 76705November 12, 1952Full Service Brick and Mortar

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