Anahuac National Bank in Anahuac, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Anahuac National Bank - Overview

  • General
  • FDIC Certificate #: 22381
    Status: Active
    Federal Reserve ID: 424352
    Bank Holding Company (Regulatory Top Holder): Anahuac Bancshares, Inc. (RSSDID: 2622116, Location: Anahuac, TX)
    Date Established: December 20, 1976
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 15587
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 20, 1976
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: March 24, 2009
    Last Data Update: March 24, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 801 South Ross Sterling, Anahuac, TX 77514
    County: Chambers
    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
  • Corrections
    Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $73.4 mil
    Equity capital: $7.5 mil
    Deposits held in domestic offices: $64.7 mil
    Return on assets (ROA): 1.18% ($0.9 mil)
    Quarterly return on assets: 1.03% ($0.8 mil)
    Return on Equity (ROE): 11.62% ($0.8 mil)
    Quarterly return on equity: 9.92% ($0.7 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.18% ($865.6 mil)
    Quarterly Pretax return on assets: 1.03% ($755.6 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
  • 27Total employees (full-time equivalent)
  • $73,358Total assets
  • $5,924Cash and due from depository institutions
  • $3,868Interest-bearing balances
  • $15,073Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $48,092Net loans & leases
  • $848Loan loss allowance
  • $0Trading account assets
  • $2,917Bank premises and fixed assets
  • $221Other real estate owned
  • $0Goodwill and other intangibles
  • $73,358Life insurance assets
  • $1,131All other assets
  • $65,860Total liabilities and capital
  • $64,667Total liabilities
  • $46,796Total deposits
  • $64,667Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $193Subordinated debt
  • $7,498All other liabilities
  • $7,498Total equity capital
  • $7,498Total bank equity capital
  • $0Perpetual preferred stock
  • $440Common stock
  • $3,140Surplus
  • $3,918Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $425Income earned, not collected on loans
  • $0Earning assets
  • $476Long-term assets (5+ years)
  • $67,033Average Assets, year-to-date
  • $18,196Average Assets, quarterly
  • $71,171Volatile liabilities
  • $72,982Insider loans
  • $50,297FHLB advances
  • $76,310Loans and leases held for sale
  • $20Unused loan commitments
  • $20Tier 1 (core) risk-based capital
  • $6,972Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,980Restructured Loans and leases
  • $798Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,075Total interest income
  • $572Total interest expense
  • $3,503Net interest income
  • $180Provision for loan and lease losses
  • $719Total noninterest income
  • $0Fiduciary activities
  • $438Service charges on deposit accounts
  • $0Trading account gains & fees
  • $281Additional noninterest income
  • $3,219Total noninterest expense
  • $1,502Salaries and employee benefits
  • $607Premises and equipment expense
  • $1,110Additional noninterest expense
  • $823Pre-tax net operating income
  • $18Securities gains (losses)
  • $0Applicable income taxes
  • $841Income before extraordinary items
  • $0Extraordinary gains - net
  • $841Net income attributable to bank
  • $0Net charge-offs
  • $841Cash dividends
  • $32Sale, conversion, retirement of capital stock, net
  • $477Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.29%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 5.40%Net interest margin
  • 1.11%Noninterest income to earning assets
  • 4.97%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 11.62%Return on equity (ROE)
  • 5.03%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 562.50%Credit loss provision to net charge-offs
  • 31.34%Efficiency ratio
  • 76,243Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.72%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 199.53%Noncurrent assets plus other real estate owned to assets
  • 0.88%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 74.37%Net loans and leases to core deposits
  • 76.80%Equity capital to assets
  • 10.22%Core capital (leverage) ratio
  • 9.14%Tier 1 risk-based capital ratio
  • 13.86%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $71,171Average earning assets
  • $7,239Average equity
  • $64,822Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015587Anahuac National Bank801 South Ross Sterling, Anahuac, TX 77514December 20, 1976Full Service Brick and Mortar
    1360013Barbers Hill Banking Center Branch11402 Eagle Drive, Mont Belvieu, TX 77580July 10, 2000Full Service Brick and Mortar
    2465728East Chambers County Bank Branch810 Highway 124, Winnie, TX 77665May 23, 2007Full Service Brick and Mortar

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