FDIC Certificate #: 26398 Status: Active Federal Reserve ID: 481430 Bank Holding Company (Regulatory Top Holder): Anb Holdings, Inc. (RSSDID: 2939337, Location: Oakland Park, FL) Date Established: October 15, 1985 WWW:http://www.americannationalbank.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: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13943 FDIC's unique #: 33006 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: October 15, 1985 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 4301 North Federal Highway, Oakland Park, FL 33308 County: Broward Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: South Florida Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Fort Lauderdale, FL (#2680) Consolidated Metropolitan Statistical Area (CMSA): Miami-Fort Lauderdale, FL (#56) Core Based Statistical Area (CBSA): Miami-Fort Lauderdale-Pompano Beach, FL (#33100) CBSA Metro Statistical Area: Miami-Fort Lauderdale-Pompano Beach, FL (#33100) Core Based Statistical Division: Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (#22744)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $213.8 mil Equity capital: $28.4 mil Deposits held in domestic offices: $182.6 mil Return on assets (ROA): 0.84% ($1.8 mil) Quarterly return on assets: 0.55% ($1.2 mil) Return on Equity (ROE): 6.74% ($1.9 mil) Quarterly return on equity: 4.18% ($1.2 mil) Net income: $1.8 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.29% ($2,758.6 mil) Quarterly Pretax return on assets: 1.04% ($2,224.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
36Total employees (full-time equivalent)
$213,842Total assets
$68,893Cash and due from depository institutions
$18,542Interest-bearing balances
$9,481Securities
$0Federal funds sold & reverse repurchase agreements
$127,864Net loans & leases
$1,650Loan loss allowance
$0Trading account assets
$196Bank premises and fixed assets
$453Other real estate owned
$0Goodwill and other intangibles
$213,842Life insurance assets
$6,955All other assets
$185,398Total liabilities and capital
$182,645Total liabilities
$137,866Total deposits
$182,645Interest-bearing deposits
$82Deposits held in domestic offices
946.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,807Subordinated debt
$28,444All other liabilities
$28,444Total equity capital
$28,444Total bank equity capital
$0Perpetual preferred stock
$1,257Common stock
$8,202Surplus
$18,985Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$8,787Income earned, not collected on loans
$0Earning assets
$367Long-term assets (5+ years)
$155,887Average Assets, year-to-date
$35,409Average Assets, quarterly
$219,331Volatile liabilities
$213,861Insider loans
$149,268FHLB advances
$213,600Loans and leases held for sale
$4,479Unused loan commitments
$4,479Tier 1 (core) risk-based capital
$28,386Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,354Restructured Loans and leases
$7Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,356Total interest income
$1,177Total interest expense
$7,179Net interest income
$795Provision for loan and lease losses
$416Total noninterest income
$0Fiduciary activities
$287Service charges on deposit accounts
$0Trading account gains & fees
$129Additional noninterest income
$5,164Total noninterest expense
$2,872Salaries and employee benefits
$455Premises and equipment expense
$1,837Additional noninterest expense
$1,636Pre-tax net operating income
$1,204Securities gains (losses)
$1,003Applicable income taxes
$1,837Income before extraordinary items
$0Extraordinary gains - net
$1,837Net income attributable to bank
$0Net charge-offs
$1,837Cash dividends
$1,085Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.09%Yield on earning assets
0.72%Cost of funding earning assets
4.37%Net interest margin
0.25%Noninterest income to earning assets
3.15%Noninterest expense to earning assets
0.48%Net operating income to assets
0.84%Return on assets (ROA)
1.29%Pretax return on assets
6.74%Return on equity (ROE)
6.74%Retained earnings to average equity (YTD only)
0.79%Net charge-offs to loans
73.27%Credit loss provision to net charge-offs
2.24%Efficiency ratio
67,992Assets per employee
5.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
18.78%Noncurrent assets plus other real estate owned to assets
4.32%Noncurrent loans to loans
6.78%Net loans and leases to deposits
70.01%Net loans and leases to core deposits
76.22%Equity capital to assets
13.30%Core capital (leverage) ratio
13.29%Tier 1 risk-based capital ratio
19.02%Total risk-based capital ratio
Memoranda
$20Average assets
$219,331Average earning assets
$27,240Average equity
$164,171Average loans
List of branches
1 Florida Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
33006
American National Bank
4301 North Federal Highway, Oakland Park, FL 33308
October 15, 1985
Full Service Brick and Mortar
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