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

  • The First National Bank of Amherst in Amherst, Texas (TX)
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The First National Bank of Amherst - Overview

  • General
  • FDIC Certificate #: 3074
    Status: Active
    Federal Reserve ID: 359856
    Bank Holding Company (Regulatory Top Holder): First Amherst Bancshares, Inc. (RSSDID: 1104950, Location: Amherst, TX)
    Date Established: Febuary 25, 1925
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 1956
    Numeric code: 3
    Regulator: OCC
    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: No
    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: April 17, 2008
    Last Data Update: April 17, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Main, Amherst, TX 79312
    County: Lamb
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    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
    Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $20.5 mil
    Equity capital: $3.6 mil
    Deposits held in domestic offices: $16.8 mil
    Return on assets (ROA): -0.18% (-$0.0 mil)
    Quarterly return on assets: -0.08% (-$0.0 mil)
    Return on Equity (ROE): -1.01% (-$0.0 mil)
    Quarterly return on equity: -0.44% (-$0.0 mil)
    Net income: -$0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.26% (-$53.2 mil)
    Quarterly Pretax return on assets: -0.18% (-$36.8 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
  • 8Total employees (full-time equivalent)
  • $20,468Total assets
  • $9,365Cash and due from depository institutions
  • $4,978Interest-bearing balances
  • $8,550Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,275Net loans & leases
  • $175Loan loss allowance
  • $0Trading account assets
  • $122Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $20,468Life insurance assets
  • $156All other assets
  • $16,831Total liabilities and capital
  • $16,780Total liabilities
  • $12,656Total deposits
  • $16,780Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $51Subordinated debt
  • $3,637All other liabilities
  • $3,637Total equity capital
  • $3,637Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $150Surplus
  • $3,437Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $121Long-term assets (5+ years)
  • $15,803Average Assets, year-to-date
  • $5,300Average Assets, quarterly
  • $19,673Volatile liabilities
  • $19,795Insider loans
  • $4,581FHLB advances
  • $19,898Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,208Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $489Restructured Loans and leases
  • $162Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $565Total interest income
  • $88Total interest expense
  • $477Net interest income
  • $0Provision for loan and lease losses
  • $36Total noninterest income
  • $0Fiduciary activities
  • $5Service charges on deposit accounts
  • $0Trading account gains & fees
  • $31Additional noninterest income
  • $564Total noninterest expense
  • $276Salaries and employee benefits
  • $19Premises and equipment expense
  • $269Additional noninterest expense
  • -$51Pre-tax net operating income
  • $0Securities gains (losses)
  • -$15Applicable income taxes
  • -$36Income before extraordinary items
  • $0Extraordinary gains - net
  • -$36Net income attributable to bank
  • $0Net charge-offs
  • -$36Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.17%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 4.16%Noninterest expense to earning assets
  • -0.18%Net operating income to assets
  • -0.18%Return on assets (ROA)
  • -0.26%Pretax return on assets
  • -1.01%Return on equity (ROE)
  • -1.01%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -12.75%Efficiency ratio
  • 109,942Assets per employee
  • 2.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 7.14%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 13.56%Net loans and leases to core deposits
  • 15.14%Equity capital to assets
  • 17.77%Core capital (leverage) ratio
  • 16.12%Tier 1 risk-based capital ratio
  • 70.03%Total risk-based capital ratio
  • Memoranda
  • $71Average assets
  • $19,673Average earning assets
  • $3,579Average equity
  • $13,551Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01956The First National Bank Of Amherst100 Main, Amherst, TX 79312Febuary 25, 1925Full Service Brick and Mortar

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