FDIC Certificate #: 33812 Status: Active Federal Reserve ID: 2051127 Bank Holding Company (Regulatory Top Holder): American National Bancorp, Inc. (RSSDID: 2716640, Location: Appleton, WI) Date Established: June 14, 1993 WWW:http://www.americannationalbank.org 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 #: 15499 FDIC's unique #: 48096 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: June 14, 1993 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: 2200 North Richmond Street, Appleton, WI 54911 County: Outagamie Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Appleton Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Appleton-Oshkosh-Neenah, WI (#460) Combined Statistical Area (CSA): Appleton-Oshkosh-Neenah, WI (#118) Core Based Statistical Area (CBSA): Appleton, WI (#11540) CBSA Metro Statistical Area: Appleton, WI (#11540)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $258.1 mil Equity capital: $29.6 mil Deposits held in domestic offices: $221.6 mil Return on assets (ROA): 2.19% ($5.7 mil) Quarterly return on assets: 1.97% ($5.1 mil) Return on Equity (ROE): 19.18% ($5.8 mil) Quarterly return on equity: 17.08% ($5.1 mil) Net income: $5.4 mil Quarterly Net income: $1.2 mil Pretax return on assets: 2.19% ($5,652.6 mil) Quarterly Pretax return on assets: 1.97% ($5,084.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
25Total employees (full-time equivalent)
$258,108Total assets
$9,999Cash and due from depository institutions
$3,473Interest-bearing balances
$35,649Securities
$0Federal funds sold & reverse repurchase agreements
$199,183Net loans & leases
$4,672Loan loss allowance
$0Trading account assets
$2,303Bank premises and fixed assets
$1,624Other real estate owned
$382Goodwill and other intangibles
$258,108Life insurance assets
$8,968All other assets
$228,509Total liabilities and capital
$221,589Total liabilities
$204,277Total deposits
$221,589Interest-bearing deposits
$87Deposits held in domestic offices
900.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,100Trading liabilities
$0Other borrowed funds
$920Subordinated debt
$29,599All other liabilities
$29,599Total equity capital
$29,599Total bank equity capital
$0Perpetual preferred stock
$1,890Common stock
$7,890Surplus
$19,819Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,194Income earned, not collected on loans
$0Earning assets
$785Long-term assets (5+ years)
$238,305Average Assets, year-to-date
$41,346Average Assets, quarterly
$247,775Volatile liabilities
$251,532Insider loans
$215,190FHLB advances
$250,932Loans and leases held for sale
$6,244Unused loan commitments
$3,596Tier 1 (core) risk-based capital
$28,865Tier 2 risk-based capital
$2,648Total risk weighted assets
$0Total unused commitments
$29,979Restructured Loans and leases
$17,007Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$12,828Total interest income
$3,370Total interest expense
$9,458Net interest income
$1,300Provision for loan and lease losses
$1,082Total noninterest income
$0Fiduciary activities
$177Service charges on deposit accounts
$0Trading account gains & fees
$905Additional noninterest income
$3,822Total noninterest expense
$2,149Salaries and employee benefits
$357Premises and equipment expense
$1,316Additional noninterest expense
$5,418Pre-tax net operating income
$4Securities gains (losses)
$7Applicable income taxes
$5,415Income before extraordinary items
$0Extraordinary gains - net
$5,415Net income attributable to bank
$0Net charge-offs
$5,415Cash dividends
$736Sale, conversion, retirement of capital stock, net
$4,561Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.55%Yield on earning assets
1.46%Cost of funding earning assets
4.09%Net interest margin
0.47%Noninterest income to earning assets
1.65%Noninterest expense to earning assets
2.18%Net operating income to assets
2.19%Return on assets (ROA)
2.19%Pretax return on assets
19.18%Return on equity (ROE)
3.02%Retained earnings to average equity (YTD only)
0.36%Net charge-offs to loans
176.63%Credit loss provision to net charge-offs
9.13%Efficiency ratio
34,810Assets per employee
10.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
84.23%Loss allowance to loans
2.29%Loss allowance to noncurrent loans
212.94%Noncurrent assets plus other real estate owned to assets
2.25%Noncurrent loans to loans
1.08%Net loans and leases to deposits
89.89%Net loans and leases to core deposits
152.92%Equity capital to assets
11.47%Core capital (leverage) ratio
11.50%Tier 1 risk-based capital ratio
13.41%Total risk-based capital ratio
Memoranda
$15Average assets
$247,775Average earning assets
$28,238Average equity
$231,029Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
48096
American National Bank - Fox Cities
2200 North Richmond Street, Appleton, WI 54911
June 14, 1993
Full Service Brick and Mortar
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