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



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The First National Bank of Amherst routing number info

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The First National Bank of Amherst
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Change in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal 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)
Total employees (full-time equivalent)8
Total assets$20,468
Cash and due from depository institutions$9,365
Interest-bearing balances$4,978
Securities$8,550
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$2,275
Loan loss allowance $175
Trading account assets$0
Bank premises and fixed assets$122
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$156
Life insurance assets$20,468
Total liabilities and capital$16,831
Total liabilities$16,780
Total deposits$12,656
Interest-bearing deposits$16,780
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $51
All other liabilities $3,637
Total equity capital$3,637
Total bank equity capital$3,637
Perpetual preferred stock$0
Common stock$50
Surplus$150
Undivided profits $3,437
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $121
Average Assets, year-to-date $15,803
Average Assets, quarterly $5,300
Volatile liabilities $19,673
Insider loans $19,795
FHLB advances $4,581
Loans and leases held for sale $19,898
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,208
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $489
Derivatives$162
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $565
Total interest expense $88
Net interest income $477
Provision for loan and lease losses $0
Total noninterest income $36
Fiduciary activities $0
Service charges on deposit accounts $5
Trading account gains & fees $0
Additional noninterest income $31
Total noninterest expense $564
Salaries and employee benefits $276
Premises and equipment expense $19
Additional noninterest expense $269
Pre-tax net operating income -$51
Securities gains (losses) $0
Applicable income taxes -$15
Income before extraordinary items -$36
Extraordinary gains - net $0
Net income attributable to bank -$36
Net charge-offs $0
Cash dividends -$36
Sale, conversion, retirement of capital stock, net $4
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.17%
Cost of funding earning assets 0.65%
Net interest margin 3.52%
Noninterest income to earning assets 0.27%
Noninterest expense to earning assets 4.16%
Net operating income to assets -0.18%
Return on assets (ROA) -0.18%
Pretax return on assets -0.26%
Return on equity (ROE) -1.01%
Retained earnings to average equity (YTD only) -1.01%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio-12.75%
Assets per employee$109,942
Cash dividends to net income (YTD only)2.56%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 7.14%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 13.56%
Equity capital to assets 15.14%
Core capital (leverage) ratio 17.77%
Tier 1 risk-based capital ratio 16.12%
Total risk-based capital ratio 70.03%
Memoranda
Average assets$71
Average earning assets$19,673
Average equity $3,579
Average loans $13,551
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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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