American National Bank and Trust Company in Danville, Virginia (VA), NC
Overview, Financial Summary, Detailed Financial Reports, Branches


  • American National Bank and Trust Company in Danville, Virginia (VA), NC
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American National Bank and Trust Company routing number info

American National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 6837
    Status: Active
    Federal Reserve ID: 958727
    Bank Holding Company (Regulatory Top Holder): American National Bankshares Inc. (RSSDID: 1076691, Location: Danville, VA)
    Date Established: Febuary 09, 1909
    WWW: http://www.amnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 29 (Domestic: 29, Interstate: Yes)
    OTS Docket #: 11656
    FDIC's unique #: 4597
    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: January 01, 1934
    Last Structure Change Effective Date: July 01, 2011
    Last Structure Change Process Date: July 11, 2011
    Last Data Update: July 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 628 Main Street, Danville, VA 24541
    County: Danville City
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Richmond
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Danville, VA (#1950)
    Core Based Statistical Area (CBSA): Danville, VA (#19260)
    CBSA Metro Statistical Area: Danville, VA (#19260)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,303.6 mil
    Equity capital: $176.8 mil
    Deposits held in domestic offices: $1,060.7 mil
    Return on assets (ROA): 1.33% ($17.3 mil)
    Quarterly return on assets: 1.49% ($19.4 mil)
    Return on Equity (ROE): 9.61% ($17.0 mil)
    Quarterly return on equity: 11.21% ($19.8 mil)
    Net income: $13.6 mil
    Quarterly Net income: $4.9 mil
    Pretax return on assets: 1.85% ($24,117.2 mil)
    Quarterly Pretax return on assets: 2.19% ($28,549.6 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
  • 315Total employees (full-time equivalent)
  • $1,303,635Total assets
  • $28,893Cash and due from depository institutions
  • $6,332Interest-bearing balances
  • $333,366Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $820,559Net loans & leases
  • $10,529Loan loss allowance
  • $0Trading account assets
  • $26,804Bank premises and fixed assets
  • $5,353Other real estate owned
  • $44,640Goodwill and other intangibles
  • $1,303,635Life insurance assets
  • $44,020All other assets
  • $1,126,824Total liabilities and capital
  • $1,060,723Total liabilities
  • $881,174Total deposits
  • $1,060,723Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 45575.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,206Trading liabilities
  • $0Other borrowed funds
  • $7,320Subordinated debt
  • $176,811All other liabilities
  • $176,811Total equity capital
  • $176,811Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $86,578Surplus
  • $87,233Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $6,330Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,720Income earned, not collected on loans
  • $0Earning assets
  • $5,091Long-term assets (5+ years)
  • $1,160,257Average Assets, year-to-date
  • $335,684Average Assets, quarterly
  • $1,024,568Volatile liabilities
  • $1,303,936Insider loans
  • $899,072FHLB advances
  • $1,260,185Loans and leases held for sale
  • $13,058Unused loan commitments
  • $13,058Tier 1 (core) risk-based capital
  • $125,341Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $191,957Restructured Loans and leases
  • $16,814Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $49,187Total interest income
  • $7,811Total interest expense
  • $41,376Net interest income
  • $3,170Provision for loan and lease losses
  • $9,337Total noninterest income
  • $3,561Fiduciary activities
  • $1,963Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,813Additional noninterest income
  • $28,603Total noninterest expense
  • $15,027Salaries and employee benefits
  • $3,199Premises and equipment expense
  • $10,377Additional noninterest expense
  • $18,940Pre-tax net operating income
  • -$1Securities gains (losses)
  • $5,357Applicable income taxes
  • $13,582Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,582Net income attributable to bank
  • $0Net charge-offs
  • $13,582Cash dividends
  • $1,061Sale, conversion, retirement of capital stock, net
  • $4,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.50%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 1.33%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.85%Pretax return on assets
  • 9.61%Return on equity (ROE)
  • 6.43%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 298.77%Credit loss provision to net charge-offs
  • 20.84%Efficiency ratio
  • 53,874Assets per employee
  • 4.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.13%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 76.74%Noncurrent assets plus other real estate owned to assets
  • 1.46%Noncurrent loans to loans
  • 1.65%Net loans and leases to deposits
  • 77.36%Net loans and leases to core deposits
  • 92.95%Equity capital to assets
  • 13.56%Core capital (leverage) ratio
  • 9.95%Tier 1 risk-based capital ratio
  • 13.94%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,024,568Average earning assets
  • $141,344Average equity
  • $920,274Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $358,738Managed Assets
  • 1Number of Accounts
  • $353,221Personal trust and agency accounts
  • $257,953Employee benefit-defined contribution accounts
  • $1,553Employee benefit-defined benefit accounts
  • $13,412Other retirement accounts
  • $10,722Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $40,330Other fiduciary accounts
  • $29,251Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 484Number of Accounts
  • $0Personal trust and agency accounts
  • $10,722Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,517Other retirement accounts
  • $1,268Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $668Fiduciary accounts held in foreign offices

List of branches

  • 9 North Carolina Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    13190805Yanceyville Office173 North Main Street, Yanceyville, NC 27379September 24, 1970Full Service Brick and Mortar
    2857218Burlington Branch3101 South Church Street, Burlington, NC 27215August 14, 1997Full Service Brick and Mortar
    29290653Graham Office Branch842 South Main Street, Graham, NC 27253December 15, 1998Full Service Brick and Mortar
    30356687Alamance Regional Health Center Bran1240 Huffman Mill Road, Burlington, NC 27215April 03, 2000Full Service Brick and Mortar
    31357708Cum Park Plaza Branch2214 North Church Street, Burlington, NC 27215July 03, 2000Full Service Brick and Mortar
    32430064Brookwood Branch1840 Brookwood Avenue, Burlington, NC 27215October 01, 2003Limited Service Administrative
    33433607Green Valley Office703 Green Valley Road, Suite 101, Greensboro, NC 27408July 21, 2003Full Service Retail
    34447387Guilford College Branch5509 A West Friendly Avenue, Suite 102, Greensboro, NC 27410Febuary 06, 2006Full Service Brick and Mortar
    35456600Mebane Branch1107 South 5th Street, Suite 300b, Mebane, NC 27302September 25, 2006Full Service Brick and Mortar
  • 20 Virginia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    04597American National Bank And Trust Com628 Main Street, Danville, VA 24541Febuary 09, 1909Full Service Brick and Mortar
    3212330Nor-Dan Office239 Nor-Dan Drive, Danville, VA 24541September 20, 1961Full Service Brick and Mortar
    5212332West Main Office2016 West Main Street, Danville, VA 24541October 23, 1972Full Service Brick and Mortar
    7212334Airport Office1407 South Boston Road, Danville, VA 24541July 02, 1990Full Service Brick and Mortar
    88031Gretna Office109 Main Street, Gretna, VA 24557January 01, 1911Full Service Brick and Mortar
    11279052Collinsville Office625 Virginia Avenue, Collinsville, VA 24078January 01, 1907Full Service Brick and Mortar
    14212335Courier Service Branch628 Main Street, Danville, VA 24541October 14, 1998Limited Service Messenger
    15212336Chatham Office13880 U.S. Highway 29, Chatham, VA 24531January 19, 1999Full Service Brick and Mortar
    16212337Martinsville Office900 Liberty Street, Martinsville, VA 24112September 20, 1999Full Service Brick and Mortar
    17361097South Boston Office3609 Old Halifax Road, South Boston, VA 24592December 04, 2000Full Service Brick and Mortar
    18363300220 South Office3810 Greensboro Road, Ridgeway, VA 24148March 04, 2002Full Service Brick and Mortar
    2077242Graves Mill Office1646 Graves Mill Road, Lynchburg, VA 24502October 14, 1999Full Service Brick and Mortar
    21363501Lovingston Office150 Front St, Lovingston, VA 22949April 15, 2002Full Service Brick and Mortar
    22365356Langhorne Road Office2301 Langhorne Road, Lynchburg, VA 24502March 12, 2001Full Service Brick and Mortar
    23430138Timberlake Road Office20479 Timberlake Road, Lynchburg, VA 24502September 03, 2003Full Service Brick and Mortar
    25479107Bedford Office207 North Bridge Street, Bedford, VA 24523May 01, 2008Full Service Brick and Mortar
    26492937Piedmont Drive Office445 Mount Cross Road, Danville, VA 24540January 26, 2009Full Service Brick and Mortar
    27511431Martinsville Messenger Service BrancIn Martinsville City And Henry County Virginia, Martinsville, VA 24112June 22, 2010Limited Service Messenger
    36522007Guilford County Messenger Service Br628 Main Street, Danville, VA 24543July 01, 2011Limited Service Messenger
    37522008Alamance County Messenger Service Br628 Main Street, Danville, VA 24543July 01, 2011Limited Service Messenger

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