The First National Bank of Anderson in Anderson, Texas (TX)
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| The First National Bank of Anderson | |
|---|---|
| General | FDIC Certificate #: 3075 Status: Active Federal Reserve ID: 362155 Bank Holding Company (Regulatory Top Holder): First Anderson Bancshares, Inc. (RSSDID: 1108323, Location: Anderson, TX) Date Established: July 05, 1904 WWW: http://www.fnbanderson.com 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: 2 (Domestic: 2, Interstate: No) FDIC's unique #: 1957 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: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012 |
| Location | Address: 1071 Hwy 90 South, Anderson, TX 77830 County: Grimes Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West |
| History of Changes | Change in Location |
| Financial Summary | Total assets: $140.1 mil Equity capital: $13.3 mil Deposits held in domestic offices: $126.4 mil Return on assets (ROA): 0.90% ($1.3 mil) Quarterly return on assets: 0.95% ($1.3 mil) Return on Equity (ROE): 9.79% ($1.3 mil) Quarterly return on equity: 9.92% ($1.3 mil) Net income: $1.3 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.35% ($1,891.4 mil) Quarterly Pretax return on assets: 1.09% ($1,527.1 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 47 |
| Total assets | $140,101 |
| Cash and due from depository institutions | $18,691 |
| Interest-bearing balances | $10,826 |
| Securities | $31,094 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $84,850 |
| Loan loss allowance | $1,413 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,779 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $3,687 |
| Life insurance assets | $140,101 |
| Total liabilities and capital | $126,801 |
| Total liabilities | $126,387 |
| Total deposits | $93,608 |
| Interest-bearing deposits | $126,387 |
| Deposits held in domestic offices | $84 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $414 |
| All other liabilities | $13,300 |
| Total equity capital | $13,300 |
| Total bank equity capital | $13,300 |
| Perpetual preferred stock | $0 |
| Common stock | $500 |
| Surplus | $500 |
| Undivided profits | $12,300 |
| 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 | $655 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $738 |
| Average Assets, year-to-date | $126,770 |
| Average Assets, quarterly | $29,460 |
| Volatile liabilities | $139,914 |
| Insider loans | $139,960 |
| FHLB advances | $87,022 |
| Loans and leases held for sale | $139,489 |
| Unused loan commitments | $2,321 |
| Tier 1 (core) risk-based capital | $2,321 |
| Tier 2 risk-based capital | $13,198 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $3,444 |
| Derivatives | $5,241 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $5,762 |
| Total interest expense | $987 |
| Net interest income | $4,775 |
| Provision for loan and lease losses | $340 |
| Total noninterest income | $1,191 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $756 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $435 |
| Total noninterest expense | $3,744 |
| Salaries and employee benefits | $2,127 |
| Premises and equipment expense | $529 |
| Additional noninterest expense | $1,088 |
| Pre-tax net operating income | $1,882 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $621 |
| Income before extraordinary items | $1,261 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,261 |
| Net charge-offs | $0 |
| Cash dividends | $1,261 |
| Sale, conversion, retirement of capital stock, net | $241 |
| Net operating income | $464 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.54% |
| Cost of funding earning assets | 0.78% |
| Net interest margin | 3.76% |
| Noninterest income to earning assets | 0.94% |
| Noninterest expense to earning assets | 2.95% |
| Net operating income to assets | 0.90% |
| Return on assets (ROA) | 0.90% |
| Pretax return on assets | 1.35% |
| Return on equity (ROE) | 9.79% |
| Retained earnings to average equity (YTD only) | 6.19% |
| Net charge-offs to loans | 0.28% |
| Credit loss provision to net charge-offs | 141.08% |
| Efficiency ratio | 9.22% |
| Assets per employee | $62,756 |
| Cash dividends to net income (YTD only) | 2.98% |
| Condition Ratios (%) | |
| Loss allowance to loans | 36.80% |
| Loss allowance to noncurrent loans | 1.64% |
| Noncurrent assets plus other real estate owned to assets | 215.73% |
| Noncurrent loans to loans | 0.47% |
| Net loans and leases to deposits | 0.76% |
| Net loans and leases to core deposits | 67.14% |
| Equity capital to assets | 78.41% |
| Core capital (leverage) ratio | 9.49% |
| Tier 1 risk-based capital ratio | 9.46% |
| Total risk-based capital ratio | 15.17% |
| Memoranda | |
| Average assets | $16 |
| Average earning assets | $139,914 |
| Average equity | $12,883 |
| Average loans | $126,876 |
| 2 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 1957 | The First National Bank Of Anderson | 1071 Hwy 90 South, Anderson, TX 77830 | July 05, 1904 | Full Service Brick and Mortar |  |
| 2 | 478462 | First National Bank Of Anderson Bran | 9501 State Hwy 6, Navasota, TX 77868 | April 24, 2008 | Full Service Brick and Mortar |  |
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