American Bank of Texas, N. A. - Fredericksburg - Overview
General
FDIC Certificate #: 24350 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:American Bank of Texas, National Association (#23433) Federal Reserve ID: 391856 Date Established: January 28, 1983 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) OTS Docket #: 12855 FDIC's unique #: 16943 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: January 28, 1983 Last Structure Change Effective Date: January 01, 2004 Last Structure Change Process Date: January 29, 2004 Last Data Update: January 29, 2004 Data Source Date: April 05, 2012
Location
Address: 1710 North Llano, Fredericksburg, TX 78624 County: Gillespie Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Fredericksburg, TX (#23240) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $87.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
22Total employees (full-time equivalent)
$86,988Total assets
$3,066Cash and due from depository institutions
$490Interest-bearing balances
$16,373Securities
$34,100Federal funds sold & reverse repurchase agreements
$23,552Net loans & leases
$232Loan loss allowance
$0Trading account assets
$1,360Bank premises and fixed assets
$0Other real estate owned
$7,699Goodwill and other intangibles
$0Life insurance assets
$838All other assets
$86,988Total liabilities and capital
$74,413Total liabilities
$73,909Total deposits
$62,149Interest-bearing deposits
$73,909Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$504All other liabilities
$12,575Total equity capital
$12,575Total bank equity capital
$12,575Perpetual preferred stock
$0Common stock
$894Surplus
$11,803Undivided profits
Memoranda
$-122Noncurrent loans and leases
$3,084Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$163Earning assets
$0Long-term assets (5+ years)
$201Average Assets, year-to-date
$74,515Average Assets, quarterly
$12,927Volatile liabilities
$76,466Insider loans
$81,101FHLB advances
$11,167Loans and leases held for sale
$93Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$402Total risk weighted assets
$3,084Total unused commitments
$0Restructured Loans and leases
$232Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$564Total interest income
$188Total interest expense
$376Net interest income
$3Provision for loan and lease losses
$84Total noninterest income
$0Fiduciary activities
$74Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$720Total noninterest expense
$264Salaries and employee benefits
$60Premises and equipment expense
$396Additional noninterest expense
-$263Pre-tax net operating income
$0Securities gains (losses)
-$97Applicable income taxes
-$166Income before extraordinary items
$0Extraordinary gains - net
-$166Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
0.80%Yield on earning assets
0.27%Cost of funding earning assets
0.53%Net interest margin
0.12%Noninterest income to earning assets
1.02%Noninterest expense to earning assets
-0.22%Net operating income to assets
-0.22%Return on assets (ROA)
-0.34%Pretax return on assets
-2.36%Return on equity (ROE)
-2.36%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
143,913Assets per employee
3.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.98%Loss allowance to noncurrent loans
142.33%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.69%Net loans and leases to deposits
31.87%Net loans and leases to core deposits
37.54%Equity capital to assets
14.46%Core capital (leverage) ratio
6.48%Tier 1 risk-based capital ratio
14.75%Total risk-based capital ratio
Memoranda
$15Average assets
$76,466Average earning assets
$7,023Average equity
$70,288Average loans
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