Arrowhead Bank in Llano, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Arrowhead Bank - Overview

  • General
  • FDIC Certificate #: 1198
    Status: Active
    Federal Reserve ID: 570558
    Bank Holding Company (Regulatory Top Holder): Arrowhead Company (RSSDID: 1237447, Location: Round Mountain, TX)
    Date Established: March 16, 1923
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 821
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 108 West Sandstone Street, Llano, TX 78643
    County: Llano
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $133.5 mil
    Equity capital: $13.2 mil
    Deposits held in domestic offices: $120.2 mil
    Return on assets (ROA): 0.01% ($0.0 mil)
    Quarterly return on assets: 0.15% ($0.2 mil)
    Return on Equity (ROE): 0.08% ($0.0 mil)
    Quarterly return on equity: 1.52% ($0.2 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.04% ($53.4 mil)
    Quarterly Pretax return on assets: 0.22% ($293.7 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
  • 40Total employees (full-time equivalent)
  • $133,486Total assets
  • $27,572Cash and due from depository institutions
  • $21,447Interest-bearing balances
  • $18,793Securities
  • $10,600Federal funds sold & reverse repurchase agreements
  • $73,058Net loans & leases
  • $423Loan loss allowance
  • $0Trading account assets
  • $1,677Bank premises and fixed assets
  • $921Other real estate owned
  • $0Goodwill and other intangibles
  • $133,486Life insurance assets
  • $865All other assets
  • $120,332Total liabilities and capital
  • $120,249Total liabilities
  • $91,103Total deposits
  • $120,249Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $83Subordinated debt
  • $13,154All other liabilities
  • $13,154Total equity capital
  • $13,154Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $6,000Surplus
  • $5,154Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $468Income earned, not collected on loans
  • $0Earning assets
  • $444Long-term assets (5+ years)
  • $123,898Average Assets, year-to-date
  • $5,266Average Assets, quarterly
  • $126,762Volatile liabilities
  • $129,642Insider loans
  • $79,229FHLB advances
  • $129,148Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,146Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,788Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,740Total interest income
  • $335Total interest expense
  • $3,405Net interest income
  • $90Provision for loan and lease losses
  • $617Total noninterest income
  • $35Fiduciary activities
  • $519Service charges on deposit accounts
  • $0Trading account gains & fees
  • $63Additional noninterest income
  • $3,875Total noninterest expense
  • $1,793Salaries and employee benefits
  • $520Premises and equipment expense
  • $1,562Additional noninterest expense
  • $57Pre-tax net operating income
  • $0Securities gains (losses)
  • $46Applicable income taxes
  • $11Income before extraordinary items
  • $0Extraordinary gains - net
  • $11Net income attributable to bank
  • $0Net charge-offs
  • $11Cash dividends
  • $23Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.18%Yield on earning assets
  • 0.28%Cost of funding earning assets
  • 2.89%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.04%Pretax return on assets
  • 0.08%Return on equity (ROE)
  • 0.08%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 391.30%Credit loss provision to net charge-offs
  • 6.39%Efficiency ratio
  • 96,345Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.58%Loss allowance to noncurrent loans
  • 90.38%Noncurrent assets plus other real estate owned to assets
  • 1.04%Noncurrent loans to loans
  • 0.64%Net loans and leases to deposits
  • 60.76%Net loans and leases to core deposits
  • 63.02%Equity capital to assets
  • 9.85%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 16.59%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $126,762Average earning assets
  • $13,144Average equity
  • $117,770Average 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
  • $5,141Managed Assets
  • 1Number of Accounts
  • $5,141Personal trust and agency accounts
  • $5,141Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 6Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0821Arrowhead Bank108 West Sandstone Street, Llano, TX 78643March 16, 1923Full Service Brick and Mortar
    1187988Detached Facility206 West Young, Llano, TX 78643January 04, 1983Full Service Brick and Mortar
    23748San Saba Branch301 East Wallace Street, San Saba, TX 76877May 23, 1910Full Service Brick and Mortar
    3187989Horseshoe Bay Branch5700 West Fm 2147, Horseshoe Bay, TX 78654November 04, 1996Full Service Brick and Mortar
    4359503Fredericksburg Branch502 S. Adams, Fredericksburg, TX 78624January 31, 2001Full Service Brick and Mortar

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