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

The American National Bank of Texas - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 558Total employees (full-time equivalent)
  • $2,334,659Total assets
  • $364,833Cash and due from depository institutions
  • $232,398Interest-bearing balances
  • $743,700Securities
  • $10,000Federal funds sold & reverse repurchase agreements
  • $1,074,088Net loans & leases
  • $24,534Loan loss allowance
  • $0Trading account assets
  • $40,653Bank premises and fixed assets
  • $3,185Other real estate owned
  • $38,592Goodwill and other intangibles
  • $2,334,659Life insurance assets
  • $59,608All other assets
  • $2,116,201Total liabilities and capital
  • $2,095,648Total liabilities
  • $1,582,575Total deposits
  • $2,095,648Interest-bearing deposits
  • $56Deposits held in domestic offices
  • 5732.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,009Trading liabilities
  • $0Other borrowed funds
  • $13,812Subordinated debt
  • $218,458All other liabilities
  • $218,458Total equity capital
  • $218,458Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $79,188Surplus
  • $136,770Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,179Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18,103Income earned, not collected on loans
  • $0Earning assets
  • $7,603Long-term assets (5+ years)
  • $2,060,186Average Assets, year-to-date
  • $846,625Average Assets, quarterly
  • $2,086,964Volatile liabilities
  • $2,174,810Insider loans
  • $1,249,573FHLB advances
  • $2,037,158Loans and leases held for sale
  • $30,941Unused loan commitments
  • $8,730Tier 1 (core) risk-based capital
  • $175,150Tier 2 risk-based capital
  • $5,903Total risk weighted assets
  • $16,308Total unused commitments
  • $176,861Restructured Loans and leases
  • $5,806Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $80,214Total interest income
  • $8,442Total interest expense
  • $71,772Net interest income
  • $7,400Provision for loan and lease losses
  • $37,766Total noninterest income
  • $1,859Fiduciary activities
  • $11,268Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24,639Additional noninterest income
  • $81,204Total noninterest expense
  • $39,080Salaries and employee benefits
  • $11,515Premises and equipment expense
  • $30,609Additional noninterest expense
  • $20,934Pre-tax net operating income
  • $0Securities gains (losses)
  • $5,600Applicable income taxes
  • $15,334Income before extraordinary items
  • $0Extraordinary gains - net
  • $15,334Net income attributable to bank
  • $0Net charge-offs
  • $15,334Cash dividends
  • $10,303Sale, conversion, retirement of capital stock, net
  • $10,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 3.82%Net interest margin
  • 2.01%Noninterest income to earning assets
  • 4.32%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 7.50%Return on equity (ROE)
  • 2.61%Retained earnings to average equity (YTD only)
  • 0.93%Net charge-offs to loans
  • 71.82%Credit loss provision to net charge-offs
  • 2.75%Efficiency ratio
  • 72,162Assets per employee
  • 4.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.21%Loss allowance to loans
  • 2.23%Loss allowance to noncurrent loans
  • 135.52%Noncurrent assets plus other real estate owned to assets
  • 0.91%Noncurrent loans to loans
  • 1.65%Net loans and leases to deposits
  • 51.25%Net loans and leases to core deposits
  • 55.43%Equity capital to assets
  • 9.36%Core capital (leverage) ratio
  • 8.60%Tier 1 risk-based capital ratio
  • 14.02%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $2,086,964Average earning assets
  • $204,350Average equity
  • $1,877,987Average 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
  • $847,776Managed Assets
  • 1Number of Accounts
  • $787,791Personal trust and agency accounts
  • $52,020Employee benefit-defined contribution accounts
  • $692,444Employee benefit-defined benefit accounts
  • $3,056Other retirement accounts
  • $2,417Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $37,854Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 323Number of Accounts
  • $0Personal trust and agency accounts
  • $2,417Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $59,985Other retirement accounts
  • $2,976Corporate trust and agency accounts
  • $47,937Other fiduciary accounts
  • $6,537Fiduciary accounts held in foreign offices

List of branches

  • 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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