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

This bank is inactive as of December 31, 1994

  • American National Bank of Pottsboro in Pottsboro, Texas (TX)
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American National Bank of Pottsboro - Overview

  • General
  • FDIC Certificate #: 23939
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: American Bank of Texas (#20473)
    Federal Reserve ID: 23063
    Date Established: July 15, 1982
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 16709
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: July 15, 1982
    Last Structure Change Effective Date: December 31, 1994
    Last Structure Change Process Date: January 04, 1995
    Last Data Update: January 04, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Highway 120 North And 996 West, Pottsboro, TX 75076
    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)
  • Financial Summary
  • Total assets: $30.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $13Total assets
  • $28,518Cash and due from depository institutions
  • $801Interest-bearing balances
  • $0Securities
  • $5,482Federal funds sold & reverse repurchase agreements
  • $4,965Net loans & leases
  • $16,370Loan loss allowance
  • $392Trading account assets
  • $0Bank premises and fixed assets
  • $454Other real estate owned
  • $236Goodwill and other intangibles
  • $210Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $28,518Total liabilities
  • $25,973Total deposits
  • $25,847Interest-bearing deposits
  • $22,922Deposits held in domestic offices
  • 25847.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $126Total equity capital
  • $126Total bank equity capital
  • $2,545Perpetual preferred stock
  • $0Common stock
  • $661Surplus
  • $661Undivided profits
  • Memoranda
  • $1,223Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $278Income earned, not collected on loans
  • $96Earning assets
  • $26,817Long-term assets (5+ years)
  • $1,328Average Assets, year-to-date
  • $27,642Average Assets, quarterly
  • $28,342Volatile liabilities
  • $1,628Insider loans
  • $225FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $396Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,545Total risk weighted assets
  • $16,286Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,953Total interest expense
  • $704Net interest income
  • $1,249Provision for loan and lease losses
  • $44Total noninterest income
  • $264Fiduciary activities
  • $0Service charges on deposit accounts
  • $202Trading account gains & fees
  • $0Additional noninterest income
  • $62Total noninterest expense
  • $992Salaries and employee benefits
  • $411Premises and equipment expense
  • $186Additional noninterest expense
  • $395Pre-tax net operating income
  • $477Securities gains (losses)
  • $0Applicable income taxes
  • $106Income before extraordinary items
  • $371Extraordinary gains - net
  • $105Net income attributable to bank
  • $476Net charge-offs
  • $54Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.52%Cost of funding earning assets
  • 2.71%Net interest margin
  • 4.81%Noninterest income to earning assets
  • 1.02%Noninterest expense to earning assets
  • 3.82%Net operating income to assets
  • 1.34%Return on assets (ROA)
  • 1.72%Pretax return on assets
  • 2.11%Return on equity (ROE)
  • 20.57%Retained earnings to average equity (YTD only)
  • 20.57%Net charge-offs to loans
  • 0.33%Credit loss provision to net charge-offs
  • 81.48%Efficiency ratio
  • 65,565Assets per employee
  • 2.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.34%Loss allowance to noncurrent loans
  • 141.01%Noncurrent assets plus other real estate owned to assets
  • 1.80%Noncurrent loans to loans
  • 1.66%Net loans and leases to deposits
  • 63.33%Net loans and leases to core deposits
  • 67.59%Equity capital to assets
  • 8.92%Core capital (leverage) ratio
  • 8.85%Tier 1 risk-based capital ratio
  • 15.63%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $27,642Average earning assets
  • $2,314Average equity
  • $25,965Average loans

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