American Bank of Texas in Sherman, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


American Bank of Texas - Overview

  • General
  • FDIC Certificate #: 20473
    Status: Active
    Federal Reserve ID: 627658
    Bank Holding Company (Regulatory Top Holder): North American Bancshares, Inc. (RSSDID: 1109991, Location: Sherman, TX)
    Date Established: September 01, 1971
    WWW: http://www.abtexas.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 19 (Domestic: 19, Interstate: No)
    FDIC's unique #: 14118
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 01, 1971
    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: 2011 Texoma Parkway, Sherman, TX 75090
    County: Grayson
    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): Sherman-Denison, TX (#7640)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Sherman-Denison, TX (#43300)
    CBSA Metro Statistical Area: Sherman-Denison, TX (#43300)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,140.3 mil
    Equity capital: $156.5 mil
    Deposits held in domestic offices: $954.9 mil
    Return on assets (ROA): 0.91% ($10.4 mil)
    Quarterly return on assets: 0.63% ($7.2 mil)
    Return on Equity (ROE): 6.67% ($10.5 mil)
    Quarterly return on equity: 4.54% ($7.1 mil)
    Net income: $10.2 mil
    Quarterly Net income: $1.8 mil
    Pretax return on assets: 1.34% ($15,280.6 mil)
    Quarterly Pretax return on assets: 0.94% ($10,719.3 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
  • 275Total employees (full-time equivalent)
  • $1,140,346Total assets
  • $28,711Cash and due from depository institutions
  • $7,522Interest-bearing balances
  • $153,298Securities
  • $88,587Federal funds sold & reverse repurchase agreements
  • $774,178Net loans & leases
  • $17,344Loan loss allowance
  • $0Trading account assets
  • $17,866Bank premises and fixed assets
  • $50,859Other real estate owned
  • $310Goodwill and other intangibles
  • $1,140,346Life insurance assets
  • $26,537All other assets
  • $983,812Total liabilities and capital
  • $954,900Total liabilities
  • $736,378Total deposits
  • $954,900Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $27,000Trading liabilities
  • $0Other borrowed funds
  • $1,912Subordinated debt
  • $156,534All other liabilities
  • $156,534Total equity capital
  • $156,534Total bank equity capital
  • $0Perpetual preferred stock
  • $4,000Common stock
  • $50,000Surplus
  • $102,534Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,069Income earned, not collected on loans
  • $149Earning assets
  • $4,894Long-term assets (5+ years)
  • $1,023,585Average Assets, year-to-date
  • $151,599Average Assets, quarterly
  • $1,129,014Volatile liabilities
  • $1,138,259Insider loans
  • $932,953FHLB advances
  • $1,139,925Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $154,553Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $158,632Restructured Loans and leases
  • $33,780Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $52,668Total interest income
  • $7,186Total interest expense
  • $45,482Net interest income
  • $4,050Provision for loan and lease losses
  • $2,766Total noninterest income
  • $0Fiduciary activities
  • $6,016Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$3,250Additional noninterest income
  • $29,053Total noninterest expense
  • $14,517Salaries and employee benefits
  • $4,475Premises and equipment expense
  • $10,061Additional noninterest expense
  • $15,145Pre-tax net operating income
  • $27Securities gains (losses)
  • $4,936Applicable income taxes
  • $10,236Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,236Net income attributable to bank
  • $0Net charge-offs
  • $10,236Cash dividends
  • $3,983Sale, conversion, retirement of capital stock, net
  • $2,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.46%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 6.67%Return on equity (ROE)
  • 4.97%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 101.68%Credit loss provision to net charge-offs
  • 4.82%Efficiency ratio
  • 58,595Assets per employee
  • 4.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.40%Loss allowance to loans
  • 2.19%Loss allowance to noncurrent loans
  • 132.71%Noncurrent assets plus other real estate owned to assets
  • 5.61%Noncurrent loans to loans
  • 1.65%Net loans and leases to deposits
  • 81.07%Net loans and leases to core deposits
  • 84.07%Equity capital to assets
  • 13.73%Core capital (leverage) ratio
  • 13.56%Tier 1 risk-based capital ratio
  • 16.57%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $1,129,014Average earning assets
  • $153,551Average equity
  • $1,018,780Average loans

List of branches

  • 19 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014118American Bank Of Texas2011 Texoma Parkway, Sherman, TX 75090September 01, 1971Full Service Brick and Mortar
    112752West Main Street Branch927-931 West Main Street, Denison, TX 75020October 07, 1963Full Service Brick and Mortar
    22135Leonard Branch200 W Collins Street, Leonard, TX 75452January 01, 1912Full Service Brick and Mortar
    4233775Drive-In Facility200 West Washington, Sherman, TX 75090December 10, 1973Limited Service Facility
    5233776Midway Branch5000 Texoma Parkway, Sherman, TX 75090Febuary 03, 1986Limited Service Facility
    6233777Independence Square Branch401 Taylor Street, Sherman, TX 75090July 01, 1985Full Service Brick and Mortar
    716709Pottsboro BranchHighway 120 North And 996 West, Pottsboro, TX 75076July 15, 1982Full Service Brick and Mortar
    8251115Renaissance Branch3701 Loy Lake Road, Sherman, TX 75090May 31, 1994Limited Service Mobile
    9251116Frisco/Preston Branch6100 Preston Road, Frisco, TX 75034November 01, 1995Full Service Brick and Mortar
    10284397Whitesboro Branch851 Hwy. 377n, Whitesboro, TX 76273June 20, 1962Full Service Brick and Mortar
    12266117Gainesville-Broadway Branch101 East Broadway, Gainesville, TX 76240January 01, 1926Full Service Brick and Mortar
    1343455Sherman-Travis Branch400 North Travis, Sherman, TX 75090January 01, 1952Full Service Brick and Mortar
    151982Bonham Branch120 West Sam Rayburn Drive, Bonham, TX 75418December 08, 1883Full Service Brick and Mortar
    16251117F.M. Road Branch3326 F.M. Road 120, Denison, TX 75020June 05, 1998Full Service Brick and Mortar
    17430068Frisco/Lebanon BranchLebanon And Dallas Parkway, Frisco, TX 75034May 27, 2004Full Service Brick and Mortar
    18438871Sherry Lane Branch6071 Sherry Lane, Dallas, TX 75225July 06, 2004Full Service Brick and Mortar
    19440380American Bank Of Texas100 N. Preston Road, Building B, Prosper, TX 75078May 02, 2005Full Service Brick and Mortar
    20443922Mckinney Branch103 E. Virginia, Suite 201, Mckinney, TX 75069April 12, 2004Full Service Brick and Mortar
    21456123Mobile Branch2011 Texoma Parkway, Sherman, TX 75090September 01, 2006Limited Service Messenger

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