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


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

  • General
  • FDIC Certificate #: 17603
    Status: Active
    Federal Reserve ID: 488653
    Bank Holding Company (Regulatory Top Holder): Andrews Bancshares, Inc. (RSSDID: 2348087, Location: Andrews, TX)
    Date Established: November 12, 1945
    WWW: http://www.nbabankonline.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: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14211
    FDIC's unique #: 11575
    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: Commercial Lending Specialization
    Date of Deposit Insurance: May 18, 1956
    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
  • Location
  • Address: 1501 North Main Street, Andrews, TX 79714
    County: Andrews
    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
    Core Based Statistical Area (CBSA): Andrews, TX (#11380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $135.4 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $122.1 mil
    Return on assets (ROA): 1.54% ($2.1 mil)
    Quarterly return on assets: 1.35% ($1.8 mil)
    Return on Equity (ROE): 17.01% ($2.0 mil)
    Quarterly return on equity: 15.67% ($1.9 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.54% ($2,085.9 mil)
    Quarterly Pretax return on assets: 1.35% ($1,828.5 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
  • 40Total employees (full-time equivalent)
  • $135,448Total assets
  • $15,249Cash and due from depository institutions
  • $7,413Interest-bearing balances
  • $29,782Securities
  • $20,790Federal funds sold & reverse repurchase agreements
  • $64,899Net loans & leases
  • $948Loan loss allowance
  • $0Trading account assets
  • $1,317Bank premises and fixed assets
  • $0Other real estate owned
  • $384Goodwill and other intangibles
  • $135,448Life insurance assets
  • $3,027All other assets
  • $123,908Total liabilities and capital
  • $122,114Total liabilities
  • $75,137Total deposits
  • $122,114Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,794Subordinated debt
  • $11,540All other liabilities
  • $11,540Total equity capital
  • $11,540Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $2,865Surplus
  • $6,675Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $50Income earned, not collected on loans
  • $0Earning assets
  • $481Long-term assets (5+ years)
  • $122,884Average Assets, year-to-date
  • $32,976Average Assets, quarterly
  • $121,052Volatile liabilities
  • $132,288Insider loans
  • $78,698FHLB advances
  • $133,561Loans and leases held for sale
  • $1,267Unused loan commitments
  • $1,267Tier 1 (core) risk-based capital
  • $10,091Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,109Restructured Loans and leases
  • $4,956Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,985Total interest income
  • $365Total interest expense
  • $4,620Net interest income
  • $38Provision for loan and lease losses
  • $1,934Total noninterest income
  • $0Fiduciary activities
  • $543Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,391Additional noninterest income
  • $4,659Total noninterest expense
  • $2,396Salaries and employee benefits
  • $400Premises and equipment expense
  • $1,863Additional noninterest expense
  • $1,857Pre-tax net operating income
  • $5Securities gains (losses)
  • $0Applicable income taxes
  • $1,862Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,862Net income attributable to bank
  • $0Net charge-offs
  • $1,862Cash dividends
  • $38Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 0.33%Cost of funding earning assets
  • 4.14%Net interest margin
  • 1.73%Noninterest income to earning assets
  • 4.17%Noninterest expense to earning assets
  • 1.53%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 17.01%Return on equity (ROE)
  • 3.31%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 49.87%Efficiency ratio
  • 71,086Assets per employee
  • 3.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.56%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 1896.00%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 53.15%Net loans and leases to core deposits
  • 54.17%Equity capital to assets
  • 8.52%Core capital (leverage) ratio
  • 7.56%Tier 1 risk-based capital ratio
  • 12.82%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $121,052Average earning assets
  • $10,946Average equity
  • $111,719Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011575The National Bank Of Andrews1501 North Main Street, Andrews, TX 79714November 12, 1945Full Service Brick and Mortar
    116974Nba Motor Bank101 Nw First Street, Andrews, TX 79714March 25, 1983Limited Service Facility
    2363619Thriftway Branch1201 North Main, Andrews, TX 79714April 16, 2002Full Service Brick and Mortar
    3363620Nba Main Bank Location1501 North Main, Andrews, TX 79714April 16, 2002Limited Service Messenger

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