American Bank, National Association in city_name, state_name

American Bank, National Association in Woodway, Texas (TX)
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American Bank, National Association routing number info

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

No	ID	Name	Address	Established	Service Type	Map
0	16685	American Bank, National Association	200 West State Highway 6, Woodway, TX 76710	June 11, 1982	Full Service Brick and Mortar
1	11192	East Branch	Interstate Highway 35 And Loop 340, Waco, TX 76705	November 12, 1952	Full Service Brick and Mortar

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

American Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

American Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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