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

This bank is inactive as of October 02, 1995

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

  • General
  • FDIC Certificate #: 24394
    Status: Inactive
    Closing history: Consolidated - Without Assistance
    Acquiring institution: The National Bank of Andrews (#17603)
    Federal Reserve ID: 488653
    Date Established: March 25, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    OTS Docket #: 11080
    FDIC's unique #: 16974
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: March 25, 1983
    Last Structure Change Effective Date: October 02, 1995
    Last Structure Change Process Date: October 26, 1995
    Last Data Update: April 11, 1998
    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
  • Financial Summary
  • Total assets: $32.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $18Total assets
  • $35,828Cash and due from depository institutions
  • $2,319Interest-bearing balances
  • $203Securities
  • $13,303Federal funds sold & reverse repurchase agreements
  • $3,850Net loans & leases
  • $14,888Loan loss allowance
  • $149Trading account assets
  • $0Bank premises and fixed assets
  • $1,107Other real estate owned
  • $0Goodwill and other intangibles
  • $361Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $35,828Total liabilities
  • $32,487Total deposits
  • $32,112Interest-bearing deposits
  • $26,467Deposits held in domestic offices
  • 32112.00%% insured (estimated)
  • $75Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $375Total equity capital
  • $375Total bank equity capital
  • $3,341Perpetual preferred stock
  • $0Common stock
  • $1,500Surplus
  • $1,500Undivided profits
  • Memoranda
  • $341Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $91Income earned, not collected on loans
  • $146Earning assets
  • $32,244Long-term assets (5+ years)
  • $634Average Assets, year-to-date
  • $35,043Average Assets, quarterly
  • $35,298Volatile liabilities
  • $3,337Insider loans
  • $1,248FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $597Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,415Total risk weighted assets
  • $18,262Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,213Total interest expense
  • $766Net interest income
  • $1,447Provision for loan and lease losses
  • $24Total noninterest income
  • $392Fiduciary activities
  • $0Service charges on deposit accounts
  • $332Trading account gains & fees
  • $0Additional noninterest income
  • $60Total noninterest expense
  • $1,198Salaries and employee benefits
  • $503Premises and equipment expense
  • $151Additional noninterest expense
  • $544Pre-tax net operating income
  • $617Securities gains (losses)
  • $0Applicable income taxes
  • $224Income before extraordinary items
  • $393Extraordinary gains - net
  • $0Net income attributable to bank
  • $393Net charge-offs
  • $1Cash dividends
  • $300Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.05%Cost of funding earning assets
  • 2.44%Net interest margin
  • 4.61%Noninterest income to earning assets
  • 1.25%Noninterest expense to earning assets
  • 3.82%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 1.76%Return on equity (ROE)
  • 11.77%Retained earnings to average equity (YTD only)
  • 2.79%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 2400.00%Efficiency ratio
  • 65,144Assets per employee
  • 1.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.34%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 163.74%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.61%Net loans and leases to deposits
  • 46.36%Net loans and leases to core deposits
  • 51.74%Equity capital to assets
  • 9.33%Core capital (leverage) ratio
  • 9.69%Tier 1 risk-based capital ratio
  • 18.70%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $35,043Average earning assets
  • $3,338Average equity
  • $31,373Average loans

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