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

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The First National Bank of Anson
GeneralFDIC Certificate #: 3078
Status: Active
Federal Reserve ID: 366359
Bank Holding Company (Regulatory Top Holder): Anson Bancshares, Inc. (RSSDID: 1103702, Location: Anson, TX)
Date Established: January 01, 1902
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 #: 1959
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: Yes
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 1021 12th Street, Anson, TX 79501
County: Jones
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
Core Based Statistical Area (CBSA): Abilene, TX (#10180)
CBSA Metro Statistical Area: Abilene, TX (#10180)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $56.3 mil
Equity capital: $5.3 mil
Deposits held in domestic offices: $50.9 mil
Return on assets (ROA): 0.37% ($0.2 mil)
Quarterly return on assets: -0.25% (-$0.1 mil)
Return on Equity (ROE): 3.96% ($0.2 mil)
Quarterly return on equity: -2.68% (-$0.1 mil)
Net income: $0.2 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.37% ($208.1 mil)
Quarterly Pretax return on assets: -0.25% (-$140.6 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)15
Total assets$56,251
Cash and due from depository institutions$6,349
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$1,225
Net loans & leases$20,851
Loan loss allowance $325
Trading account assets$0
Bank premises and fixed assets$448
Other real estate owned$269
Goodwill and other intangibles$0
All other assets$558
Life insurance assets$56,251
Total liabilities and capital$50,913
Total liabilities$50,852
Total deposits$33,626
Interest-bearing deposits$50,852
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $61
All other liabilities $5,338
Total equity capital$5,338
Total bank equity capital$5,338
Perpetual preferred stock$0
Common stock$400
Undivided profits $4,538
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 $305
Earning assets $0
Long-term assets (5+ years) $389
Average Assets, year-to-date $48,627
Average Assets, quarterly $3,543
Volatile liabilities $55,810
Insider loans $57,065
FHLB advances $26,435
Loans and leases held for sale $58,046
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,285
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,738
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,127
Total interest expense $136
Net interest income $1,991
Provision for loan and lease losses $60
Total noninterest income $444
Fiduciary activities $0
Service charges on deposit accounts $271
Trading account gains & fees $0
Additional noninterest income $173
Total noninterest expense $2,162
Salaries and employee benefits $1,269
Premises and equipment expense $215
Additional noninterest expense $678
Pre-tax net operating income $213
Securities gains (losses) -$4
Applicable income taxes $0
Income before extraordinary items $209
Extraordinary gains - net $0
Net income attributable to bank $209
Net charge-offs $0
Cash dividends $209
Sale, conversion, retirement of capital stock, net $135
Net operating income $270
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.41%
Cost of funding earning assets 0.28%
Net interest margin 4.13%
Noninterest income to earning assets 0.92%
Noninterest expense to earning assets 4.48%
Net operating income to assets 0.38%
Return on assets (ROA) 0.37%
Pretax return on assets 0.37%
Return on equity (ROE) 3.96%
Retained earnings to average equity (YTD only) -1.15%
Net charge-offs to loans 0.61%
Credit loss provision to net charge-offs 44.44%
Efficiency ratio2.02%
Assets per employee$88,789
Cash dividends to net income (YTD only)3.75%
Condition Ratios (%)
Loss allowance to loans 129.19%
Loss allowance to noncurrent loans 1.53%
Noncurrent assets plus other real estate owned to assets 106.56%
Noncurrent loans to loans 1.02%
Net loans and leases to deposits1.44%
Net loans and leases to core deposits 41.00%
Equity capital to assets 43.57%
Core capital (leverage) ratio 9.49%
Tier 1 risk-based capital ratio 9.10%
Total risk-based capital ratio 19.99%
Average assets$21
Average earning assets$55,810
Average equity $5,283
Average loans $48,261
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2 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01959The First National Bank Of Anson1021 12th Street, Anson, TX 79501January 01, 1902Full Service Brick and Mortar
1291946Avenue E Branch650 Avenue E.,, Hawley, TX 79525April 20, 1998Full Service Brick and Mortar
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