American First National Bank Mortgage Rates, Fees & Info

Houston, TX

LEI: 549300B190GPYLAX3Y92

Tax ID: 76-0555667

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Mortgage Data

Bank Data

Review & Overview

American First National Bank is a smaller bank specializing in various types of mortgages.



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Originations

0

Origination Dollar Volume (All Markets)

$0

Employee count

225

Complaints

Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
AMERICAN FINANCING CORPORATION Conventional home mortgage Unable to get your credit report or credit score 1 50.0%
AMERICAN FINANCING CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
American First National Bank 1231 S Mason Rd Katy, TX 77450 Full Service B&M $80,100
American First National Bank 1318 Blalock Road Houston, TX 77055 Full Service B&M $69,796
American First National Bank 1420 East Valley Boulevard, Suite A Alhambra, CA 91801 Full Service B&M $48,544
American First National Bank 1600 S. State Hwy 373 Amargosa Valley, NV 89020 Full Service B&M $3,920
American First National Bank 18605 East Gale Ave, Suite 100 City Of Industry, CA 91748 Full Service B&M $84,825
American First National Bank 1912 Avenue K Plano, TX 75074 Full Service B&M $27,320
American First National Bank 2200 New York Ave. Arlington, TX 76010 Full Service B&M $20,133
American First National Bank 240 Legacy Drive, Ste, 112 Plano, TX 75023 Full Service B&M $61,403
American First National Bank 2625 Old Denton Rd, Suite 552 Carrollton, TX 75007 Full Service B&M $12,305
American First National Bank 2630 Royal Ln Dallas, TX 75229 Full Service B&M $35,770
American First National Bank 3306 West Walnut Garland, TX 75042 Full Service B&M $45,803
American First National Bank 3340 S Highway 160 Pahrump, NV 89048 Full Service B&M $46,946
American First National Bank 400 North Greenville Avenue, Suite 7 Richardson, TX 75081 Full Service B&M $106,764
American First National Bank 4915 Hwy 6 S Missouri City, TX 77459 Full Service B&M $170,212
American First National Bank 6822 W. Sahara Ave Las Vegas, NV 89146 Full Service B&M $113,092
American First National Bank 7038 Harwin Dr Houston, TX 77036 Full Service B&M $94,606
American First National Bank 9999 Bellaire Boulevard Houston, TX 77036 Full Service B&M $370,153

For 2018, American First National Bank had 17 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $74,672
Net interest income $60,840
Total noninterest income $2,691
Gross Fiduciary activities income $0
Service charges on deposit accounts $1,106
Trading account gains and fees $0
Additional Noninterest Income $1,585
Pre-tax net operating income $29,366
Securities gains (or losses, -) $0
Income before extraordinary items $23,257
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $23,257
Minority interest net income $0
Net income $23,257
Sale, conversion, retirement of capital stock, net $0
Net operating income $23,257

American First National Bank's gross interest income from loans was $74,672,000.
American First National Bank's net interest income from loans was $60,840,000.
American First National Bank's fee based income from loans was $1,106,000.
American First National Bank's net income from loans was $23,257,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $13,832
Provision for credit losses $1,004
Total noninterest expense $33,161
Salaries and employee benefits $19,982
Premises and equipment expense $4,581
Additional noninterest expense $8,598
Applicable income taxes $6,109
Net charge-offs $896
Cash dividends $4,585

American First National Bank's interest expense for loans was $13,832,000.
American First National Bank's payroll and benefits expense were $19,982,000.
American First National Bank's property, plant and equipment expenses $4,581,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $1,385,842
Deposits held in domestic offices $1,385,842
Deposits by Individuals, partnerships, and corporations $1,384,657
Deposits by U.S. Government $1,186
Deposits by States and political subdivisions in the U.S. $0
Deposits by Commercial banks and other depository institutions in U.S. $0
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $319,191
Demand deposits $268,288
Nontransaction accounts $1,066,652
Money market deposit accounts (MMDAs) $147,390
Other savings deposits (excluding MMDAs) $64,119
Total time deposits $855,142
Total time and savings deposits $1,117,555
Noninterest-bearing deposits $268,291
Interest-bearing deposits $1,117,551
Retail deposits $1,099,328
IRAs and Keogh plan accounts $23,904
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $1,587,346
Cash & Balances due from depository institutions $112,311
Interest-bearing balances $75,036
Total securities $85,718
Federal funds sold & reverse repurchase $3,702
Net loans and leases $1,343,677
Loan and leases loss allowance $14,702
Trading account assets $0
Bank premises and fixed assets $27,773
Other real estate owned $506
Goodwill and other intangibles $0
All other assets $13,659

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $1,587,346
Total Liabilities $1,401,503
Total deposits $1,385,842
Interest-bearing deposits $1,117,551
Deposits held in domestic offices $1,385,842
% insured (estimated) $81
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $15,661

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,343,677
Loan and leases loss allowance $14,702
Total loans and leases (domestic) $1,358,379
All real estate loans $1,230,598
Real estate loans in domestic offices $1,230,598
Construction and development loans $84,695
Residential 1-4 family construction $3,802
Other construction, all land development and other land $80,893
Loans secured by nonfarm nonresidential properties $1,014,510
Nonfarm nonresidential secured by owner-occupied properties $373,770
Commercial real estate & other non-farm, non-residential $640,740
Multifamily residential real estate $54,937
1-4 family residential loans $74,935
Farmland loans $1,521
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $122,483
To non-U.S. addressees $0
Loans to individuals $7,226
Credit card loans $0
Related Plans $313
Consumer Auto Loans $1,182
Other loans to individuals $5,731
All other loans & leases $35
Loans to foreign governments and official institutions $0
Other loans $35
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $8,840
Loans secured by real estate to non-U.S. addressees $3,360
Restructured Loans & leases $1,683
Non 1-4 family restructured loans & leases $1,683
Total loans and leases (foreign) $0

American First National Bank had $1,343,677,000 of loans outstanding in 2018. $1,230,598,000 of loans were in real estate loans. $84,695,000 of loans were in development loans. $54,937,000 of loans were in multifamily mortgage loans. $74,935,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,182,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 353 $138,820 $393,258
Nonfarm, nonresidential loans - <$100k 3 $192 $64,000
Nonfarm, nonresidential loans - $100-250k 70 $9,619 $137,414
Nonfarm, nonresidential loans - $250k-1MM 280 $129,009 $460,746
Commercial & Industrial, US addressed loans - <$1MM 339 $59,449 $175,366
Commercial & Industrial, US addressed loans - <$100k 97 $4,086 $42,124
Commercial & Industrial, US addressed loans - $100-250k 99 $10,909 $110,192
Commercial & Industrial, US addressed loans - $250k-1MM 143 $44,454 $310,867
Farmland loans - <$1MM 2 $161 $80,500
Farmland loans - $100-250k 1 $61 $61,000
Farmland loans - $250k-1MM 1 $100 $100,000