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


  • American Bank of Texas, National Association in Marble Falls, Texas (TX)
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American Bank of Texas, National Association - Overview

  • General
  • FDIC Certificate #: 23433
    Status: Active
    Federal Reserve ID: 485652
    Bank Holding Company (Regulatory Top Holder): North American Bancshares, Inc. (RSSDID: 1109991, Location: Sherman, TX)
    Date Established: April 27, 1981
    WWW: http://www.abtexasna.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: 16 (Domestic: 16, Interstate: No)
    OTS Docket #: 13825
    FDIC's unique #: 16425
    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: April 27, 1981
    Last Structure Change Effective Date: Febuary 09, 2011
    Last Structure Change Process Date: August 08, 2011
    Last Data Update: August 08, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 418 Highway 281, Marble Falls, TX 78654
    County: Burnet
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Marble Falls, TX (#31920)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $775.5 mil
    Equity capital: $114.0 mil
    Deposits held in domestic offices: $648.0 mil
    Return on assets (ROA): 0.27% ($2.1 mil)
    Quarterly return on assets: -0.23% (-$1.8 mil)
    Return on Equity (ROE): 1.82% ($2.1 mil)
    Quarterly return on equity: -1.54% (-$1.8 mil)
    Net income: $2.1 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: 0.39% ($3,024.4 mil)
    Quarterly Pretax return on assets: -0.36% (-$2,791.7 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
  • 220Total employees (full-time equivalent)
  • $775,482Total assets
  • $150,937Cash and due from depository institutions
  • $136,974Interest-bearing balances
  • $193,266Securities
  • $1,161Federal funds sold & reverse repurchase agreements
  • $320,988Net loans & leases
  • $6,762Loan loss allowance
  • $0Trading account assets
  • $34,203Bank premises and fixed assets
  • $22,726Other real estate owned
  • $29,337Goodwill and other intangibles
  • $775,482Life insurance assets
  • $22,864All other assets
  • $661,488Total liabilities and capital
  • $648,026Total liabilities
  • $487,769Total deposits
  • $648,026Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 12329.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $376Trading liabilities
  • $0Other borrowed funds
  • $757Subordinated debt
  • $113,994All other liabilities
  • $113,994Total equity capital
  • $113,994Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $84,725Surplus
  • $28,519Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $557Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,141Income earned, not collected on loans
  • $0Earning assets
  • $2,580Long-term assets (5+ years)
  • $652,389Average Assets, year-to-date
  • $121,078Average Assets, quarterly
  • $763,007Volatile liabilities
  • $768,382Insider loans
  • $408,980FHLB advances
  • $744,634Loans and leases held for sale
  • $10,909Unused loan commitments
  • $6,130Tier 1 (core) risk-based capital
  • $81,950Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,779Total unused commitments
  • $41,979Restructured Loans and leases
  • $892Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,345Total interest income
  • $2,667Total interest expense
  • $23,678Net interest income
  • $3,475Provision for loan and lease losses
  • $5,953Total noninterest income
  • $0Fiduciary activities
  • $1,844Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,109Additional noninterest income
  • $23,163Total noninterest expense
  • $10,632Salaries and employee benefits
  • $4,221Premises and equipment expense
  • $8,310Additional noninterest expense
  • $2,993Pre-tax net operating income
  • -$2Securities gains (losses)
  • $924Applicable income taxes
  • $2,067Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,067Net income attributable to bank
  • $0Net charge-offs
  • $2,067Cash dividends
  • $3,260Sale, conversion, retirement of capital stock, net
  • $785Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.12%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.63%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 1.82%Return on equity (ROE)
  • 1.13%Retained earnings to average equity (YTD only)
  • 0.93%Net charge-offs to loans
  • 106.60%Credit loss provision to net charge-offs
  • 1.98%Efficiency ratio
  • 75,333Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.98%Loss allowance to loans
  • 2.06%Loss allowance to noncurrent loans
  • 83.06%Noncurrent assets plus other real estate owned to assets
  • 3.98%Noncurrent loans to loans
  • 2.48%Net loans and leases to deposits
  • 49.53%Net loans and leases to core deposits
  • 51.74%Equity capital to assets
  • 14.70%Core capital (leverage) ratio
  • 11.01%Tier 1 risk-based capital ratio
  • 20.04%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $763,007Average earning assets
  • $113,379Average equity
  • $638,879Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $27,610Managed Assets
  • 1Number of Accounts
  • $24,697Personal trust and agency accounts
  • $11,768Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $5,168Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $7,761Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 75Number of Accounts
  • $0Personal trust and agency accounts
  • $5,168Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,913Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,913Fiduciary accounts held in foreign offices

List of branches

  • 16 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016425American Bank Of Texas, National Association418 Highway 281, Marble Falls, TX 78654April 27, 1981Full Service Brick and Mortar
    1256338Horseshoe Bay Branch6905 W Fm 2147, Horseshoe Bay, TX 78657December 20, 1995Full Service Brick and Mortar
    2419677Lakeway Branch1913 620 South, Lakeway, TX 78734July 01, 2002Full Service Brick and Mortar
    316943Fredericksburg Branch1710 North Llano, Fredericksburg, TX 78624January 28, 1983Full Service Brick and Mortar
    4257290Fredericksburg Hospital Branch1037 Highway 16 South, Fredericksburg, TX 78624January 06, 1997Full Service Brick and Mortar
    5429593Rollingwood Branch2725 Bee Caves Rd, Rollingwood, TX 78746November 01, 2003Full Service Brick and Mortar
    67396Seguin Austin Street Br200 North Austin Street, Seguin, TX 78155October 31, 1906Full Service Brick and Mortar
    735233Garden Ridge Branch19099 Fm 2252, Garden Ridge, TX 78266Febuary 12, 1986Full Service Brick and Mortar
    8225039Seguin East-Side Branch1539 East Court Street, Seguin, TX 78155Febuary 22, 1993Full Service Brick and Mortar
    9225040Schertz Branch4917 Fm 3009, Schertz, TX 78154December 11, 1996Full Service Brick and Mortar
    10359919Spring Branch20480 Sthwy. 46, Spring Branch, TX 78070May 07, 2001Full Service Brick and Mortar
    11419349Seguin West-Side Branch901 N. Hwy. 46, Seguin, TX 78155January 08, 2003Full Service Brick and Mortar
    13451478Kingsland Branch311 Ranch Road 2900, Kingsland, TX 78639May 15, 2006Full Service Brick and Mortar
    14454228Medical Parkway Branch4008 Medical Parkway, Austin, TX 78756June 01, 2006Full Service Brick and Mortar
    15463514Avery Ranch Branch10526 Parmer Lane, Austin, TX 78717May 01, 2007Full Service Brick and Mortar
    16478484Temple Branch7286 West Adams Avenue, Temple, TX 76502June 09, 2008Full Service Brick and Mortar

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