FDIC Certificate #: 3074 Status: Active Federal Reserve ID: 359856 Bank Holding Company (Regulatory Top Holder): First Amherst Bancshares, Inc. (RSSDID: 1104950, Location: Amherst, TX) Date Established: Febuary 25, 1925 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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1956 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: April 17, 2008 Last Data Update: April 17, 2008 Data Source Date: April 05, 2012
Location
Address: 100 Main, Amherst, TX 79312 County: Lamb 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
History of Changes
Merge BIF and SAIF Funds into DIF
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $20.5 mil Equity capital: $3.6 mil Deposits held in domestic offices: $16.8 mil Return on assets (ROA): -0.18% (-$0.0 mil) Quarterly return on assets: -0.08% (-$0.0 mil) Return on Equity (ROE): -1.01% (-$0.0 mil) Quarterly return on equity: -0.44% (-$0.0 mil) Net income: -$0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.26% (-$53.2 mil) Quarterly Pretax return on assets: -0.18% (-$36.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$20,468Total assets
$9,365Cash and due from depository institutions
$4,978Interest-bearing balances
$8,550Securities
$0Federal funds sold & reverse repurchase agreements
$2,275Net loans & leases
$175Loan loss allowance
$0Trading account assets
$122Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$20,468Life insurance assets
$156All other assets
$16,831Total liabilities and capital
$16,780Total liabilities
$12,656Total deposits
$16,780Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$51Subordinated debt
$3,637All other liabilities
$3,637Total equity capital
$3,637Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$150Surplus
$3,437Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$121Long-term assets (5+ years)
$15,803Average Assets, year-to-date
$5,300Average Assets, quarterly
$19,673Volatile liabilities
$19,795Insider loans
$4,581FHLB advances
$19,898Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,208Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$489Restructured Loans and leases
$162Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$565Total interest income
$88Total interest expense
$477Net interest income
$0Provision for loan and lease losses
$36Total noninterest income
$0Fiduciary activities
$5Service charges on deposit accounts
$0Trading account gains & fees
$31Additional noninterest income
$564Total noninterest expense
$276Salaries and employee benefits
$19Premises and equipment expense
$269Additional noninterest expense
-$51Pre-tax net operating income
$0Securities gains (losses)
-$15Applicable income taxes
-$36Income before extraordinary items
$0Extraordinary gains - net
-$36Net income attributable to bank
$0Net charge-offs
-$36Cash dividends
$4Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.17%Yield on earning assets
0.65%Cost of funding earning assets
3.52%Net interest margin
0.27%Noninterest income to earning assets
4.16%Noninterest expense to earning assets
-0.18%Net operating income to assets
-0.18%Return on assets (ROA)
-0.26%Pretax return on assets
-1.01%Return on equity (ROE)
-1.01%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
-12.75%Efficiency ratio
109,942Assets per employee
2.56%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
7.14%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
13.56%Net loans and leases to core deposits
15.14%Equity capital to assets
17.77%Core capital (leverage) ratio
16.12%Tier 1 risk-based capital ratio
70.03%Total risk-based capital ratio
Memoranda
$71Average assets
$19,673Average earning assets
$3,579Average equity
$13,551Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1956
The First National Bank Of Amherst
100 Main, Amherst, TX 79312
Febuary 25, 1925
Full Service Brick and Mortar
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