American Bank, National Association in Corpus Christi, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • American Bank, National Association in Corpus Christi, Texas (TX)
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American Bank, National Association routing number info

American Bank, National Association - Overview

  • General
  • FDIC Certificate #: 20241
    Status: Active
    Federal Reserve ID: 807955
    Bank Holding Company (Regulatory Top Holder): American Bank Holding Corporation (RSSDID: 1109964, Location: Corpus Christi, TX)
    Date Established: August 24, 1970
    WWW: http://www.americanbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 11670
    FDIC's unique #: 13922
    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: August 24, 1970
    Last Structure Change Effective Date: December 31, 2006
    Last Structure Change Process Date: Febuary 06, 2007
    Last Data Update: Febuary 06, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 711 N. Carancahua St, Corpus Christi, TX 78401
    County: Nueces
    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
    Metropolitan Statistical Area (MSA): Corpus Christi, TX (#1880)
    Combined Statistical Area (CSA): Corpus Christi-Kingsville, TX (#204)
    Core Based Statistical Area (CBSA): Corpus Christi, TX (#18580)
    CBSA Metro Statistical Area: Corpus Christi, TX (#18580)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Change in Location
  • Financial Summary
  • Total assets: $1,053.5 mil
    Equity capital: $99.1 mil
    Deposits held in domestic offices: $952.0 mil
    Return on assets (ROA): 1.51% ($15.9 mil)
    Quarterly return on assets: 2.20% ($23.2 mil)
    Return on Equity (ROE): 16.44% ($16.3 mil)
    Quarterly return on equity: 23.76% ($23.5 mil)
    Net income: $15.2 mil
    Quarterly Net income: $5.8 mil
    Pretax return on assets: 1.51% ($15,907.5 mil)
    Quarterly Pretax return on assets: 2.20% ($23,176.5 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
  • 232Total employees (full-time equivalent)
  • $1,053,477Total assets
  • $156,157Cash and due from depository institutions
  • $127,880Interest-bearing balances
  • $251,353Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $611,085Net loans & leases
  • $11,588Loan loss allowance
  • $0Trading account assets
  • $22,434Bank premises and fixed assets
  • $512Other real estate owned
  • $0Goodwill and other intangibles
  • $1,053,477Life insurance assets
  • $11,936All other assets
  • $954,336Total liabilities and capital
  • $952,002Total liabilities
  • $474,321Total deposits
  • $952,002Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,334Subordinated debt
  • $99,141All other liabilities
  • $99,141Total equity capital
  • $99,141Total bank equity capital
  • $0Perpetual preferred stock
  • $3,057Common stock
  • $9,430Surplus
  • $86,654Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,872Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,730Income earned, not collected on loans
  • $580Earning assets
  • $4,272Long-term assets (5+ years)
  • $990,318Average Assets, year-to-date
  • $144,873Average Assets, quarterly
  • $1,009,952Volatile liabilities
  • $1,055,911Insider loans
  • $672,879FHLB advances
  • $1,074,384Loans and leases held for sale
  • $84Unused loan commitments
  • $84Tier 1 (core) risk-based capital
  • $89,363Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $138,524Restructured Loans and leases
  • $17,249Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $41,366Total interest income
  • $1,937Total interest expense
  • $39,429Net interest income
  • $1,550Provision for loan and lease losses
  • $9,084Total noninterest income
  • $502Fiduciary activities
  • $3,619Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,963Additional noninterest income
  • $33,331Total noninterest expense
  • $17,192Salaries and employee benefits
  • $4,827Premises and equipment expense
  • $11,312Additional noninterest expense
  • $13,632Pre-tax net operating income
  • $1,615Securities gains (losses)
  • $0Applicable income taxes
  • $15,247Income before extraordinary items
  • $0Extraordinary gains - net
  • $15,247Net income attributable to bank
  • $0Net charge-offs
  • $15,247Cash dividends
  • $463Sale, conversion, retirement of capital stock, net
  • $6,981Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.36%Yield on earning assets
  • 0.20%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.51%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 16.44%Return on equity (ROE)
  • 8.91%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 334.77%Credit loss provision to net charge-offs
  • 32.79%Efficiency ratio
  • 68,705Assets per employee
  • 4.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.79%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 108.00%Noncurrent assets plus other real estate owned to assets
  • 1.07%Noncurrent loans to loans
  • 1.72%Net loans and leases to deposits
  • 64.19%Net loans and leases to core deposits
  • 65.14%Equity capital to assets
  • 9.41%Core capital (leverage) ratio
  • 8.32%Tier 1 risk-based capital ratio
  • 13.28%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,009,952Average earning assets
  • $92,735Average equity
  • $948,077Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $80,296Managed Assets
  • 1Number of Accounts
  • $72,961Personal trust and agency accounts
  • $25,706Employee benefit-defined contribution accounts
  • $1,857Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $14,166Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $31,232Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 112Number of Accounts
  • $0Personal trust and agency accounts
  • $3,023Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $7,335Other retirement accounts
  • $1,079Corporate trust and agency accounts
  • $6,256Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 12 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    013922American Bank, National Association711 N. Carancahua St, Corpus Christi, TX 78401August 24, 1970Full Service Brick and Mortar
    132968Corpus Christi Branch5120 South Padre Island Drive, Corpus Christi, TX 78411October 01, 1985Full Service Brick and Mortar
    2250555Padre Island Branch14602 South Padre Island Drive, Corpus Christi, TX 78418Febuary 21, 1991Full Service Brick and Mortar
    5250558Port Aransas Branch216 S Alister St, Port Aransas, TX 78373April 24, 1995Full Service Brick and Mortar
    6250559Alameda Branch4145 South Alameda, Corpus Christi, TX 78411July 05, 1995Full Service Brick and Mortar
    7250560Saratoga Branch5033 Saratoga, Corpus Christi, TX 78413December 22, 1997Full Service Brick and Mortar
    8250561North Shoreline Branch800 North Shoreline Boulevard, Corpus Christi, TX 78401December 15, 1999Full Service Brick and Mortar
    10362469Austin Westlake Branch3520 Bee Caves Road, Suite 100, Austin, TX 78746September 06, 2001Full Service Brick and Mortar
    11430161Rockport Branch1301 Highway 35 North, Rockport, TX 78382April 05, 2004Full Service Brick and Mortar
    13442444Austin Lakeway Branch1008 Ranch Rd 620 S Suite 100, Austin, TX 78734December 13, 2004Full Service Brick and Mortar
    142077Goliad Branch243 S. Market, Goliad, TX 77963May 05, 1891Full Service Brick and Mortar
    15196180Victoria Branch4304 N. Navarro, Victoria, TX 77901October 01, 1998Full Service Brick and Mortar

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