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

The First National Bank of Anderson - Overview

  • 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
    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)

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
  • 47Total employees (full-time equivalent)
  • $140,101Total assets
  • $18,691Cash and due from depository institutions
  • $10,826Interest-bearing balances
  • $31,094Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $84,850Net loans & leases
  • $1,413Loan loss allowance
  • $0Trading account assets
  • $1,779Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $140,101Life insurance assets
  • $3,687All other assets
  • $126,801Total liabilities and capital
  • $126,387Total liabilities
  • $93,608Total deposits
  • $126,387Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $414Subordinated debt
  • $13,300All other liabilities
  • $13,300Total equity capital
  • $13,300Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $500Surplus
  • $12,300Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $655Income earned, not collected on loans
  • $0Earning assets
  • $738Long-term assets (5+ years)
  • $126,770Average Assets, year-to-date
  • $29,460Average Assets, quarterly
  • $139,914Volatile liabilities
  • $139,960Insider loans
  • $87,022FHLB advances
  • $139,489Loans and leases held for sale
  • $2,321Unused loan commitments
  • $2,321Tier 1 (core) risk-based capital
  • $13,198Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,444Restructured Loans and leases
  • $5,241Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,762Total interest income
  • $987Total interest expense
  • $4,775Net interest income
  • $340Provision for loan and lease losses
  • $1,191Total noninterest income
  • $0Fiduciary activities
  • $756Service charges on deposit accounts
  • $0Trading account gains & fees
  • $435Additional noninterest income
  • $3,744Total noninterest expense
  • $2,127Salaries and employee benefits
  • $529Premises and equipment expense
  • $1,088Additional noninterest expense
  • $1,882Pre-tax net operating income
  • $0Securities gains (losses)
  • $621Applicable income taxes
  • $1,261Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,261Net income attributable to bank
  • $0Net charge-offs
  • $1,261Cash dividends
  • $241Sale, conversion, retirement of capital stock, net
  • $464Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 9.79%Return on equity (ROE)
  • 6.19%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 141.08%Credit loss provision to net charge-offs
  • 9.22%Efficiency ratio
  • 62,756Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.80%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 215.73%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 67.14%Net loans and leases to core deposits
  • 78.41%Equity capital to assets
  • 9.49%Core capital (leverage) ratio
  • 9.46%Tier 1 risk-based capital ratio
  • 15.17%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $139,914Average earning assets
  • $12,883Average equity
  • $126,876Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01957The First National Bank Of Anderson1071 Hwy 90 South, Anderson, TX 77830July 05, 1904Full Service Brick and Mortar
    2478462First National Bank Of Anderson Bran9501 State Hwy 6, Navasota, TX 77868April 24, 2008Full Service Brick and Mortar

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