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


American National Bank - Overview

  • General
  • FDIC Certificate #: 22373
    Status: Active
    Federal Reserve ID: 498362
    Bank Holding Company (Regulatory Top Holder): Ameribancshares, Inc. (RSSDID: 2507183, Location: Wichita Falls, TX)
    Date Established: November 29, 1976
    WWW: http://www.amnat.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 10059
    FDIC's unique #: 15580
    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: November 29, 1976
    Last Structure Change Effective Date: August 08, 2007
    Last Structure Change Process Date: September 14, 2007
    Last Data Update: September 14, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2732a Midwestern Parkway, Wichita Falls, TX 76308
    County: Wichita
    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): Wichita Falls, TX (#9080)
    Core Based Statistical Area (CBSA): Wichita Falls, TX (#48660)
    CBSA Metro Statistical Area: Wichita Falls, TX (#48660)
  • Financial Summary
  • Total assets: $467.3 mil
    Equity capital: $46.7 mil
    Deposits held in domestic offices: $400.6 mil
    Return on assets (ROA): 0.73% ($3.4 mil)
    Quarterly return on assets: 0.95% ($4.4 mil)
    Return on Equity (ROE): 7.50% ($3.5 mil)
    Quarterly return on equity: 9.44% ($4.4 mil)
    Net income: $3.4 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.01% ($4,719.6 mil)
    Quarterly Pretax return on assets: 1.30% ($6,074.7 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
  • 144Total employees (full-time equivalent)
  • $467,285Total assets
  • $56,882Cash and due from depository institutions
  • $40,460Interest-bearing balances
  • $105,329Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $261,214Net loans & leases
  • $5,818Loan loss allowance
  • $0Trading account assets
  • $12,947Bank premises and fixed assets
  • $5,654Other real estate owned
  • $5,357Goodwill and other intangibles
  • $467,285Life insurance assets
  • $19,902All other assets
  • $420,560Total liabilities and capital
  • $400,604Total liabilities
  • $301,039Total deposits
  • $400,604Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 5096.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,326Trading liabilities
  • $0Other borrowed funds
  • $6,534Subordinated debt
  • $46,725All other liabilities
  • $46,725Total equity capital
  • $46,725Total bank equity capital
  • $0Perpetual preferred stock
  • $1,680Common stock
  • $7,091Surplus
  • $37,954Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,331Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,105Income earned, not collected on loans
  • $0Earning assets
  • $1,637Long-term assets (5+ years)
  • $407,003Average Assets, year-to-date
  • $53,692Average Assets, quarterly
  • $459,725Volatile liabilities
  • $458,683Insider loans
  • $299,794FHLB advances
  • $447,787Loans and leases held for sale
  • $11,814Unused loan commitments
  • $11,814Tier 1 (core) risk-based capital
  • $41,650Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,660Restructured Loans and leases
  • $15,538Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,515Total interest income
  • $2,578Total interest expense
  • $14,937Net interest income
  • $387Provision for loan and lease losses
  • $8,863Total noninterest income
  • $3,859Fiduciary activities
  • $569Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,435Additional noninterest income
  • $18,767Total noninterest expense
  • $10,195Salaries and employee benefits
  • $2,354Premises and equipment expense
  • $6,218Additional noninterest expense
  • $4,646Pre-tax net operating income
  • $4Securities gains (losses)
  • $1,289Applicable income taxes
  • $3,361Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,361Net income attributable to bank
  • $0Net charge-offs
  • $3,361Cash dividends
  • $307Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 3.70%Net interest margin
  • 2.19%Noninterest income to earning assets
  • 4.64%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 7.50%Return on equity (ROE)
  • 7.50%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 126.06%Credit loss provision to net charge-offs
  • 16.39%Efficiency ratio
  • 78,034Assets per employee
  • 3.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.18%Loss allowance to noncurrent loans
  • 113.97%Noncurrent assets plus other real estate owned to assets
  • 2.30%Noncurrent loans to loans
  • 1.91%Net loans and leases to deposits
  • 65.21%Net loans and leases to core deposits
  • 69.59%Equity capital to assets
  • 10.00%Core capital (leverage) ratio
  • 9.30%Tier 1 risk-based capital ratio
  • 13.89%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $459,725Average earning assets
  • $44,803Average equity
  • $404,151Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $458,685Managed Assets
  • 1Number of Accounts
  • $412,209Personal trust and agency accounts
  • $121,594Employee benefit-defined contribution accounts
  • $10,350Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $14,090Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $175,205Other fiduciary accounts
  • $90,970Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 532Number of Accounts
  • $0Personal trust and agency accounts
  • $14,090Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $46,476Other retirement accounts
  • $32,117Corporate trust and agency accounts
  • $14,345Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015580American National Bank2732a Midwestern Parkway, Wichita Falls, TX 76308November 29, 1976Full Service Brick and Mortar
    1254474Flower Mound Branch1201 Cross Timbers Road, Flower Mound, TX 75028November 02, 1998Full Service Brick and Mortar
    2254475219 West Park Branch219 West Park, Iowa Park, TX 76367March 01, 2000Full Service Brick and Mortar
    3466827Archer City Branch111 S. Center, Archer City, TX 76351April 16, 2007Full Service Brick and Mortar
    444020Downtown Wichita Falls Branch719 Scott Ave, Wichita Falls, TX 76301December 29, 1960Full Service Brick and Mortar
    5493122Elmwood Branch1920 Elmwood Ave N., Wichita Falls, TX 76308December 15, 2008Full Service Brick and Mortar

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