American Bank of Texas, National Association in city_name, state_name

American Bank of Texas, National Association in Marble Falls, Texas (TX)
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American Bank of Texas, National Association routing number info

American Bank of Texas, National Association - Overview

General
FDIC Certificate #: 23433
Status: Active
Federal Reserve ID: 485652
Bank Holding Company (Regulatory Top Holder): North American Bancshares, Inc. (RSSDID: 1109991, Location: Sherman, TX)
Date Established: April 27, 1981
WWW: http://www.abtexasna.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: 16 (Domestic: 16, Interstate: No)
OTS Docket #: 13825
FDIC's unique #: 16425
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: April 27, 1981
Last Structure Change Effective Date: Febuary 09, 2011
Last Structure Change Process Date: August 08, 2011
Last Data Update: August 08, 2011
Data Source Date: April 05, 2012
Location
Address: 418 Highway 281, Marble Falls, TX 78654
County: Burnet
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
Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
Core Based Statistical Area (CBSA): Marble Falls, TX (#31920)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $775.5 mil
Equity capital: $114.0 mil
Deposits held in domestic offices: $648.0 mil
Return on assets (ROA): 0.27% ($2.1 mil)
Quarterly return on assets: -0.23% (-$1.8 mil)
Return on Equity (ROE): 1.82% ($2.1 mil)
Quarterly return on equity: -1.54% (-$1.8 mil)
Net income: $2.1 mil
Quarterly Net income: -$0.4 mil
Pretax return on assets: 0.39% ($3,024.4 mil)
Quarterly Pretax return on assets: -0.36% (-$2,791.7 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
220Total employees (full-time equivalent)
$775,482Total assets
$150,937Cash and due from depository institutions
$136,974Interest-bearing balances
$193,266Securities
$1,161Federal funds sold & reverse repurchase agreements
$320,988Net loans & leases
$6,762Loan loss allowance
$0Trading account assets
$34,203Bank premises and fixed assets
$22,726Other real estate owned
$29,337Goodwill and other intangibles
$775,482Life insurance assets
$22,864All other assets
$661,488Total liabilities and capital
$648,026Total liabilities
$487,769Total deposits
$648,026Interest-bearing deposits
$87Deposits held in domestic offices
12329.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$376Trading liabilities
$0Other borrowed funds
$757Subordinated debt
$113,994All other liabilities
$113,994Total equity capital
$113,994Total bank equity capital
$0Perpetual preferred stock
$750Common stock
$84,725Surplus
$28,519Undivided profits
Memoranda
$0Noncurrent loans and leases
$557Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$8,141Income earned, not collected on loans
$0Earning assets
$2,580Long-term assets (5+ years)
$652,389Average Assets, year-to-date
$121,078Average Assets, quarterly
$763,007Volatile liabilities
$768,382Insider loans
$408,980FHLB advances
$744,634Loans and leases held for sale
$10,909Unused loan commitments
$6,130Tier 1 (core) risk-based capital
$81,950Tier 2 risk-based capital
$0Total risk weighted assets
$4,779Total unused commitments
$41,979Restructured Loans and leases
$892Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$26,345Total interest income
$2,667Total interest expense
$23,678Net interest income
$3,475Provision for loan and lease losses
$5,953Total noninterest income
$0Fiduciary activities
$1,844Service charges on deposit accounts
$0Trading account gains & fees
$4,109Additional noninterest income
$23,163Total noninterest expense
$10,632Salaries and employee benefits
$4,221Premises and equipment expense
$8,310Additional noninterest expense
$2,993Pre-tax net operating income
-$2Securities gains (losses)
$924Applicable income taxes
$2,067Income before extraordinary items
$0Extraordinary gains - net
$2,067Net income attributable to bank
$0Net charge-offs
$2,067Cash dividends
$3,260Sale, conversion, retirement of capital stock, net
$785Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.12%Yield on earning assets
0.42%Cost of funding earning assets
3.71%Net interest margin
0.93%Noninterest income to earning assets
3.63%Noninterest expense to earning assets
0.27%Net operating income to assets
0.27%Return on assets (ROA)
0.39%Pretax return on assets
1.82%Return on equity (ROE)
1.13%Retained earnings to average equity (YTD only)
0.93%Net charge-offs to loans
106.60%Credit loss provision to net charge-offs
1.98%Efficiency ratio
75,333Assets per employee
3.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.98%Loss allowance to loans
2.06%Loss allowance to noncurrent loans
83.06%Noncurrent assets plus other real estate owned to assets
3.98%Noncurrent loans to loans
2.48%Net loans and leases to deposits
49.53%Net loans and leases to core deposits
51.74%Equity capital to assets
14.70%Core capital (leverage) ratio
11.01%Tier 1 risk-based capital ratio
20.04%Total risk-based capital ratio
Memoranda
$21Average assets
$763,007Average earning assets
$113,379Average equity
$638,879Average loans

Total Fiduciary and Related Assets (December 31, 2010)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$27,610Managed Assets
1Number of Accounts
$24,697Personal trust and agency accounts
$11,768Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$5,168Corporate trust and agency accounts
$0Investment management agency accounts
$7,761Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
75Number of Accounts
$0Personal trust and agency accounts
$5,168Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$2,913Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$2,913Fiduciary accounts held in foreign offices

List of branches

16 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	16425	American Bank Of Texas, National Association	418 Highway 281, Marble Falls, TX 78654	April 27, 1981	Full Service Brick and Mortar
1	256338	Horseshoe Bay Branch	6905 W Fm 2147, Horseshoe Bay, TX 78657	December 20, 1995	Full Service Brick and Mortar
2	419677	Lakeway Branch	1913 620 South, Lakeway, TX 78734	July 01, 2002	Full Service Brick and Mortar
3	16943	Fredericksburg Branch	1710 North Llano, Fredericksburg, TX 78624	January 28, 1983	Full Service Brick and Mortar
4	257290	Fredericksburg Hospital Branch	1037 Highway 16 South, Fredericksburg, TX 78624	January 06, 1997	Full Service Brick and Mortar
5	429593	Rollingwood Branch	2725 Bee Caves Rd, Rollingwood, TX 78746	November 01, 2003	Full Service Brick and Mortar
6	7396	Seguin Austin Street Br	200 North Austin Street, Seguin, TX 78155	October 31, 1906	Full Service Brick and Mortar
7	35233	Garden Ridge Branch	19099 Fm 2252, Garden Ridge, TX 78266	Febuary 12, 1986	Full Service Brick and Mortar
8	225039	Seguin East-Side Branch	1539 East Court Street, Seguin, TX 78155	Febuary 22, 1993	Full Service Brick and Mortar
9	225040	Schertz Branch	4917 Fm 3009, Schertz, TX 78154	December 11, 1996	Full Service Brick and Mortar
10	359919	Spring Branch	20480 Sthwy. 46, Spring Branch, TX 78070	May 07, 2001	Full Service Brick and Mortar
11	419349	Seguin West-Side Branch	901 N. Hwy. 46, Seguin, TX 78155	January 08, 2003	Full Service Brick and Mortar
13	451478	Kingsland Branch	311 Ranch Road 2900, Kingsland, TX 78639	May 15, 2006	Full Service Brick and Mortar
14	454228	Medical Parkway Branch	4008 Medical Parkway, Austin, TX 78756	June 01, 2006	Full Service Brick and Mortar
15	463514	Avery Ranch Branch	10526 Parmer Lane, Austin, TX 78717	May 01, 2007	Full Service Brick and Mortar
16	478484	Temple Branch	7286 West Adams Avenue, Temple, TX 76502	June 09, 2008	Full Service Brick and Mortar

American Bank of Texas, National Association in Marble Falls, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Bank of Texas, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2010)

List of branches

Comment about this bank, ask questions, or add new information about it:

American Bank of Texas, National Association in Marble Falls, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

American Bank of Texas, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2010)

List of branches

Comment about this bank, ask questions, or add new information about it:

American Bank of Texas, National Association in Marble Falls, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches