The American National Bank of Texas in Terrell, Texas (TX)

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The American National Bank of Texas
GeneralFDIC Certificate #: 23474
Status: Active
Federal Reserve ID: 599764
Bank Holding Company (Regulatory Top Holder): A.N.b. Holding Company, Ltd. (RSSDID: 1895007, Location: Terrell, TX)
Date Established: July 01, 1981
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: 28 (Domestic: 28, Interstate: No)
FDIC's unique #: 16452
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: July 01, 1981
Last Structure Change Effective Date: June 06, 2008
Last Structure Change Process Date: June 26, 2008
Last Data Update: June 26, 2008
Data Source Date: April 05, 2012
LocationAddress: 102 West Moore, Terrell, TX 75160
County: Kaufman
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): Dallas, TX (#1920)
Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $2,334.7 mil
Equity capital: $218.5 mil
Deposits held in domestic offices: $2,095.6 mil
Return on assets (ROA): 0.73% ($17.0 mil)
Quarterly return on assets: 0.87% ($20.3 mil)
Return on Equity (ROE): 7.50% ($16.4 mil)
Quarterly return on equity: 8.74% ($19.1 mil)
Net income: $15.3 mil
Quarterly Net income: $4.7 mil
Pretax return on assets: 1.00% ($23,346.6 mil)
Quarterly Pretax return on assets: 1.22% ($28,482.8 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)
Total employees (full-time equivalent)558
Total assets$2,334,659
Cash and due from depository institutions$364,833
Interest-bearing balances$232,398
Federal funds sold & reverse repurchase agreements$10,000
Net loans & leases$1,074,088
Loan loss allowance $24,534
Trading account assets$0
Bank premises and fixed assets$40,653
Other real estate owned$3,185
Goodwill and other intangibles$38,592
All other assets$59,608
Life insurance assets$2,334,659
Total liabilities and capital$2,116,201
Total liabilities$2,095,648
Total deposits$1,582,575
Interest-bearing deposits$2,095,648
Deposits held in domestic offices$56
% insured (estimated)5732.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,009
Other borrowed funds $0
Subordinated debt $13,812
All other liabilities $218,458
Total equity capital$218,458
Total bank equity capital$218,458
Perpetual preferred stock$0
Common stock$2,500
Undivided profits $136,770
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,179
Income earned, not collected on loans $18,103
Earning assets $0
Long-term assets (5+ years) $7,603
Average Assets, year-to-date $2,060,186
Average Assets, quarterly $846,625
Volatile liabilities $2,086,964
Insider loans $2,174,810
FHLB advances $1,249,573
Loans and leases held for sale $2,037,158
Unused loan commitments $30,941
Tier 1 (core) risk-based capital $8,730
Tier 2 risk-based capital $175,150
Total risk weighted assets $5,903
Total unused commitments $16,308
Restructured Loans and leases $176,861
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $80,214
Total interest expense $8,442
Net interest income $71,772
Provision for loan and lease losses $7,400
Total noninterest income $37,766
Fiduciary activities $1,859
Service charges on deposit accounts $11,268
Trading account gains & fees $0
Additional noninterest income $24,639
Total noninterest expense $81,204
Salaries and employee benefits $39,080
Premises and equipment expense $11,515
Additional noninterest expense $30,609
Pre-tax net operating income $20,934
Securities gains (losses) $0
Applicable income taxes $5,600
Income before extraordinary items $15,334
Extraordinary gains - net $0
Net income attributable to bank $15,334
Net charge-offs $0
Cash dividends $15,334
Sale, conversion, retirement of capital stock, net $10,303
Net operating income $10,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.27%
Cost of funding earning assets 0.45%
Net interest margin 3.82%
Noninterest income to earning assets 2.01%
Noninterest expense to earning assets 4.32%
Net operating income to assets 0.73%
Return on assets (ROA) 0.73%
Pretax return on assets 1.00%
Return on equity (ROE) 7.50%
Retained earnings to average equity (YTD only) 2.61%
Net charge-offs to loans 0.93%
Credit loss provision to net charge-offs 71.82%
Efficiency ratio2.75%
Assets per employee$72,162
Cash dividends to net income (YTD only)4.18%
Condition Ratios (%)
Loss allowance to loans 65.21%
Loss allowance to noncurrent loans 2.23%
Noncurrent assets plus other real estate owned to assets 135.52%
Noncurrent loans to loans 0.91%
Net loans and leases to deposits1.65%
Net loans and leases to core deposits 51.25%
Equity capital to assets 55.43%
Core capital (leverage) ratio 9.36%
Tier 1 risk-based capital ratio 8.60%
Total risk-based capital ratio 14.02%
Average assets$15
Average earning assets$2,086,964
Average equity $204,350
Average loans $1,877,987
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$847,776
Number of Accounts1
Personal trust and agency accounts$787,791
Employee benefit-defined contribution accounts$52,020
Employee benefit-defined benefit accounts$692,444
Other retirement accounts$3,056
Corporate trust and agency accounts$2,417
Investment management agency accounts$0
Other fiduciary accounts$37,854
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts323
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$2,417
Employee benefit-defined benefit accounts$0
Other retirement accounts$59,985
Corporate trust and agency accounts$2,976
Other fiduciary accounts$47,937
Fiduciary accounts held in foreign offices$6,537
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28 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
016452The American National Bank Of Texas102 West Moore, Terrell, TX 75160July 01, 1981Full Service Brick and Mortar
13774Allen Branch720 South Greenville Avenue, Allen, TX 75002November 22, 1875Full Service Brick and Mortar
2207812Forney Branch401 Pinson Road, Forney, TX 75126March 13, 1989Full Service Brick and Mortar
314625Rockwall Branch2865 Ridge Road, Rockwall, TX 75087July 13, 1973Full Service Brick and Mortar
417573Wylie Branch300 West Highway 78, Wylie, TX 75098September 04, 1984Full Service Brick and Mortar
515384Crandall Branch1023 W U.S. Highway 175, Crandall, TX 75114October 20, 1975Full Service Brick and Mortar
7207813Kaufman Branch2700 South Washington, Kaufman, TX 75142July 08, 1991Full Service Brick and Mortar
9256377Seagoville Branch201 Highway 175, Seagoville, TX 75159January 04, 1995Full Service Brick and Mortar
13284399Greenville Branch5809 Wesley Street, Greenville, TX 75402June 20, 1962Full Service Brick and Mortar
15256381Terrell Wal-Mart Branch1900 West Moore Avenue, Terrell, TX 75160April 23, 1997Full Service Retail
173803Wills Point Branch340 .w. North Commerce Street, Wills Point, TX 75169January 01, 1879Full Service Brick and Mortar
1816750Canton Branch401 E. Highway 243, Canton, TX 75103October 01, 1982Full Service Brick and Mortar
2413973Lone Oak Branch601 Us Hwy 69 South, Lone Oak, TX 75453August 28, 1969Full Service Brick and Mortar
26247641Quinlan Branch8908 H Wy 34 South, Quinlan, TX 75474June 20, 1997Full Service Brick and Mortar
27365082Plano Parkway Branch1101 East Plano Parkway, Plano, TX 75074April 23, 2002Full Service Brick and Mortar
30441128Mckinney Banking Center2851 South Central Expressway, Mckinney, TX 75070Febuary 02, 2005Full Service Brick and Mortar
31443949Sachse Banking Center Branch5430 Highway 78, Sachse, TX 75048December 15, 2004Full Service Brick and Mortar
32445653Corporate Lending Group Banking Cent273 Oak Lawn, 2nd Floor, Dallas, TX 75219October 17, 2005Full Service Brick and Mortar
33453470Rowlett Liberty Grove Branch5320 Lakeview Parkway, Rowlett, TX 75088March 28, 2006Full Service Brick and Mortar
35457510Rockwall North Banking Center1105 North Goliad, Rockwall, TX 75087October 24, 2006Full Service Brick and Mortar
36467498Royse City Banking Center Branch123 E Interstate 30, Royse City, TX 75189March 13, 2006Full Service Brick and Mortar
38469307Burleson Branch308 East Renfro, Suite #100, Burleson, TX 76028June 03, 2007Full Service Brick and Mortar
39352307th Street Branch2720 W 7th Street, Fort Worth, TX 76102Febuary 12, 1986Full Service Brick and Mortar
40259667Mansfield Branch2170 Matlock Road #110, Mansfield, TX 76063October 19, 1998Full Service Brick and Mortar
41360406North Richland Hills Branch6305 Precinct Line Rd., #100, North Richland Hills, TX 76180June 11, 2001Full Service Brick and Mortar
42458289Cityview Branch6002 Southwest Blvd, Benbrook, TX 76109January 16, 2007Full Service Brick and Mortar
43476056Skillman Branch9696 Skillman Street, Suite 150, Dallas, TX 75243March 25, 2008Full Service Brick and Mortar
4457081Dallas Central Branch2703 Oak Lawn, Dallas, TX 75219January 30, 1997Full Service Brick and Mortar
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