American First National Bank in Houston, Texas (TX), NV
Overview, Financial Summary, Detailed Financial Reports, Branches


American First National Bank - Overview

  • General
  • FDIC Certificate #: 34656
    Status: Active
    Federal Reserve ID: 2694681
    Bank Holding Company (Regulatory Top Holder): Afnb Holdings, Inc. (RSSDID: 3472176, Location: Houston, TX)
    Date Established: May 18, 1998
    WWW: http://www.afnb.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: Yes)
    FDIC's unique #: 61033
    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: May 18, 1998
    Last Structure Change Effective Date: September 30, 2011
    Last Structure Change Process Date: October 03, 2011
    Last Data Update: October 03, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 9999 Bellaire Boulevard, Houston, TX 77036
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $868.9 mil
    Equity capital: $113.2 mil
    Deposits held in domestic offices: $712.7 mil
    Return on assets (ROA): 4.32% ($37.5 mil)
    Quarterly return on assets: -0.05% (-$0.4 mil)
    Return on Equity (ROE): 36.70% ($41.5 mil)
    Quarterly return on equity: -0.40% (-$0.5 mil)
    Net income: $34.3 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 6.57% ($57,084.4 mil)
    Quarterly Pretax return on assets: -0.13% (-$1,129.5 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
  • 241Total employees (full-time equivalent)
  • $868,864Total assets
  • $33,552Cash and due from depository institutions
  • $7,547Interest-bearing balances
  • $100,919Securities
  • $24Federal funds sold & reverse repurchase agreements
  • $692,715Net loans & leases
  • $7,100Loan loss allowance
  • $0Trading account assets
  • $27,571Bank premises and fixed assets
  • $4,367Other real estate owned
  • $0Goodwill and other intangibles
  • $868,864Life insurance assets
  • $9,716All other assets
  • $755,642Total liabilities and capital
  • $712,653Total liabilities
  • $185,356Total deposits
  • $712,653Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,387Trading liabilities
  • $0Other borrowed funds
  • $20,602Subordinated debt
  • $113,222All other liabilities
  • $113,222Total equity capital
  • $113,222Total bank equity capital
  • $0Perpetual preferred stock
  • $15,216Common stock
  • $27,825Surplus
  • $70,181Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,740Income earned, not collected on loans
  • $0Earning assets
  • $2,540Long-term assets (5+ years)
  • $801,205Average Assets, year-to-date
  • $176,035Average Assets, quarterly
  • $792,785Volatile liabilities
  • $918,202Insider loans
  • $732,333FHLB advances
  • $909,148Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $111,017Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $50,376Restructured Loans and leases
  • $3,825Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $41,989Total interest income
  • $6,496Total interest expense
  • $35,493Net interest income
  • $3,276Provision for loan and lease losses
  • $41,886Total noninterest income
  • $0Fiduciary activities
  • $1,084Service charges on deposit accounts
  • $0Trading account gains & fees
  • $40,802Additional noninterest income
  • $22,053Total noninterest expense
  • $11,677Salaries and employee benefits
  • $3,980Premises and equipment expense
  • $6,396Additional noninterest expense
  • $52,050Pre-tax net operating income
  • $0Securities gains (losses)
  • $17,793Applicable income taxes
  • $34,257Income before extraordinary items
  • $0Extraordinary gains - net
  • $34,257Net income attributable to bank
  • $0Net charge-offs
  • $34,257Cash dividends
  • $4,130Sale, conversion, retirement of capital stock, net
  • $764Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.74%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.86%Net interest margin
  • 5.73%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 4.32%Net operating income to assets
  • 4.32%Return on assets (ROA)
  • 6.57%Pretax return on assets
  • 36.70%Return on equity (ROE)
  • 35.88%Retained earnings to average equity (YTD only)
  • 0.67%Net charge-offs to loans
  • 79.32%Credit loss provision to net charge-offs
  • 13.40%Efficiency ratio
  • 28,500Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.23%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 26.55%Noncurrent assets plus other real estate owned to assets
  • 3.58%Noncurrent loans to loans
  • 3.82%Net loans and leases to deposits
  • 97.20%Net loans and leases to core deposits
  • 105.52%Equity capital to assets
  • 13.03%Core capital (leverage) ratio
  • 12.21%Tier 1 risk-based capital ratio
  • 15.16%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $792,785Average earning assets
  • $93,342Average equity
  • $731,007Average loans

List of branches

  • 3 Nevada Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    13479951Amargosa Valley Branch1600 S. State Hwy 373, Amargosa Valley, NV 89020July 25, 2007Full Service Brick and Mortar
    14481492Pahrump Branch3340 S Highway 160, Pahrump, NV 89048August 22, 2008Full Service Brick and Mortar
    15492742Las Vegas Sahara Branch6822 W. Sahara Ave, Las Vegas, NV 89146November 01, 2008Full Service Brick and Mortar
  • 13 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061033American First National Bank9999 Bellaire Boulevard, Houston, TX 77036May 18, 1998Full Service Brick and Mortar
    1290769Richardson Branch400 North Greenville Avenue, Suite 7, Richardson, TX 75081May 18, 1998Full Service Brick and Mortar
    2290770First Colony Branch4915 Hwy 6 S, Missouri City, TX 77459May 18, 1998Full Service Brick and Mortar
    3290771Harwin Branch7038 Harwin Dr, Houston, TX 77036August 03, 1998Full Service Brick and Mortar
    4457224Harry Hines Branch2630 Royal Ln, Dallas, TX 75229August 21, 2006Full Service Brick and Mortar
    5463515American First National Bank - Plano240 Legacy Drive, Ste, 112, Plano, TX 75023May 01, 2007Full Service Brick and Mortar
    6463518Long Point Branch1318 Blalock Road, Houston, TX 77055April 16, 2007Full Service Brick and Mortar
    7492745Katy Branch1231 S Mason Rd, Katy, TX 77450November 10, 2008Full Service Brick and Mortar
    8508657American First National Bank-Carroll2625 Old Denton Rd, Suite 552, Carrollton, TX 75007March 10, 2010Full Service Brick and Mortar
    947285Plano Branch1912 Avenue K, Plano, TX 75074October 24, 1991Full Service Brick and Mortar
    10289696Arlington Branch2200 New York Ave., Arlington, TX 76010November 10, 1994Full Service Brick and Mortar
    11288838Houston Branch6689 West Sam Houston South Parkway, Houston, TX 77072April 30, 1990Full Service Brick and Mortar
    12289698Garland Branch3306 West Walnut, Garland, TX 75042March 06, 1996Full Service Brick and Mortar

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