The National Bank of Andrews in Andrews, Texas (TX)
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| The National Bank of Andrews | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 40 |
| Total assets | $135,448 |
| Cash and due from depository institutions | $15,249 |
| Interest-bearing balances | $7,413 |
| Securities | $29,782 |
| Federal funds sold & reverse repurchase agreements | $20,790 |
| Net loans & leases | $64,899 |
| Loan loss allowance | $948 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,317 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $384 |
| All other assets | $3,027 |
| Life insurance assets | $135,448 |
| Total liabilities and capital | $123,908 |
| Total liabilities | $122,114 |
| Total deposits | $75,137 |
| Interest-bearing deposits | $122,114 |
| Deposits held in domestic offices | $90 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,794 |
| All other liabilities | $11,540 |
| Total equity capital | $11,540 |
| Total bank equity capital | $11,540 |
| Perpetual preferred stock | $0 |
| Common stock | $2,000 |
| Surplus | $2,865 |
| Undivided profits | $6,675 |
| 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 | $50 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $481 |
| Average Assets, year-to-date | $122,884 |
| Average Assets, quarterly | $32,976 |
| Volatile liabilities | $121,052 |
| Insider loans | $132,288 |
| FHLB advances | $78,698 |
| Loans and leases held for sale | $133,561 |
| Unused loan commitments | $1,267 |
| Tier 1 (core) risk-based capital | $1,267 |
| Tier 2 risk-based capital | $10,091 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $11,109 |
| Derivatives | $4,956 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $4,985 |
| Total interest expense | $365 |
| Net interest income | $4,620 |
| Provision for loan and lease losses | $38 |
| Total noninterest income | $1,934 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $543 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,391 |
| Total noninterest expense | $4,659 |
| Salaries and employee benefits | $2,396 |
| Premises and equipment expense | $400 |
| Additional noninterest expense | $1,863 |
| Pre-tax net operating income | $1,857 |
| Securities gains (losses) | $5 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $1,862 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,862 |
| Net charge-offs | $0 |
| Cash dividends | $1,862 |
| Sale, conversion, retirement of capital stock, net | $38 |
| Net operating income | $1,500 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.46% |
| Cost of funding earning assets | 0.33% |
| Net interest margin | 4.14% |
| Noninterest income to earning assets | 1.73% |
| Noninterest expense to earning assets | 4.17% |
| Net operating income to assets | 1.53% |
| Return on assets (ROA) | 1.54% |
| Pretax return on assets | 1.54% |
| Return on equity (ROE) | 17.01% |
| Retained earnings to average equity (YTD only) | 3.31% |
| Net charge-offs to loans | 0.06% |
| Credit loss provision to net charge-offs | 100.00% |
| Efficiency ratio | 49.87% |
| Assets per employee | $71,086 |
| Cash dividends to net income (YTD only) | 3.39% |
| Condition Ratios (%) | |
| Loss allowance to loans | 80.56% |
| Loss allowance to noncurrent loans | 1.44% |
| Noncurrent assets plus other real estate owned to assets | 1896.00% |
| Noncurrent loans to loans | 0.04% |
| Net loans and leases to deposits | 0.08% |
| Net loans and leases to core deposits | 53.15% |
| Equity capital to assets | 54.17% |
| Core capital (leverage) ratio | 8.52% |
| Tier 1 risk-based capital ratio | 7.56% |
| Total risk-based capital ratio | 12.82% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $121,052 |
| Average equity | $10,946 |
| Average loans | $111,719 |
| 4 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 11575 | The National Bank Of Andrews | 1501 North Main Street, Andrews, TX 79714 | November 12, 1945 | Full Service Brick and Mortar |  |
| 1 | 16974 | Nba Motor Bank | 101 Nw First Street, Andrews, TX 79714 | March 25, 1983 | Limited Service Facility |  |
| 2 | 363619 | Thriftway Branch | 1201 North Main, Andrews, TX 79714 | April 16, 2002 | Full Service Brick and Mortar | |
| 3 | 363620 | Nba Main Bank Location | 1501 North Main, Andrews, TX 79714 | April 16, 2002 | Limited Service Messenger | |
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Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.