American National Bank - Fox Cities Mortgage Rates, Fees & Info
Appleton, WILEI: 549300B63HUNVIWL5V50
Tax ID: 39-1739126
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Mortgage Data
Bank Data
Review & Overview
American National Bank - Fox Cities is a smaller bank specializing in Home Purchase loans. American National Bank - Fox Cities has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Milwaukee, Oshkosh, Green Bay, and Eau Claire among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)American National Bank - Fox Cities has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
25Origination Dollar Volume (All Markets)
$5,185,000Employee count
28Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| APPLETON, WI (FHA|USDA|VA) | 15 | $3,335,000 | $222,333 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $645,000 | $215,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 0.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 0.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 25 | $5,185,000 | $207,400 | $0 | 0.00% |
For 2018, American National Bank - Fox Cities's most frequently originated type of loan was Conventional, with 25 originations.
Loan Reason
For 2018, American National Bank - Fox Cities's most frequently cited loan purpose was Home Purchase, with 19 originations. The 2nd most popular reason was Home Improvement, with 2 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 25 | $5,185,000 | $207,400 | $0 | 0.00% |
For 2018, American National Bank - Fox Cities's most frequently cited loan duration was Other, with 25 originations.
Loan Sizing
2018 saw American National Bank - Fox Cities place emphasis on $200k-400k loans with 11 originations, totaling $2,795,000 in origination value.
Applicant Income
American National Bank - Fox Cities lent most frequently to those with incomes in the $50k or less range, with 6 originations. The second most popular income band? $100k-150k, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 25 | $5,185,000 | $207,400 | $0 | 0.00% |
American National Bank - Fox Cities lent most frequently to those with DTI ratios of Exempt%, with 25 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 21 | $4,655,000 | $221,667 | $0 | 0.00% |
| Not applicable | 4 | $530,000 | $132,500 | $0 | 0.00% |
Approval Rates
Total approvals of all applications87.10%
American National Bank - Fox Cities has an average approval rate.
Pick Rate
Approvals leading to origination92.00%
American National Bank - Fox Cities has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 25 | $5,185,000 | $207,400 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 25 | $5,185,000 | $207,400 |
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICAN FINANCING CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| AMERICAN FINANCING CORPORATION | Conventional home mortgage | Unable to get your credit report or credit score | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| American National Bank - Fox Cities | 2200 North Richmond Street Appleton, WI 54911 | Full Service B&M | $242,700 |
For 2018, American National Bank - Fox Cities had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $12,742 |
| Net interest income | $9,633 |
| Total noninterest income | $662 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $148 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $514 |
| Pre-tax net operating income | $5,513 |
| Securities gains (or losses, -) | $-109 |
| Income before extraordinary items | $5,396 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,396 |
| Minority interest net income | $0 |
| Net income | $5,396 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $5,505 |
American National Bank - Fox Cities's gross interest income from loans was $12,742,000.
American National Bank - Fox Cities's net interest income from loans was $9,633,000.
American National Bank - Fox Cities's fee based income from loans was $148,000.
American National Bank - Fox Cities's net income from loans was $5,396,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $3,109 |
| Provision for credit losses | $0 |
| Total noninterest expense | $4,782 |
| Salaries and employee benefits | $2,745 |
| Premises and equipment expense | $387 |
| Additional noninterest expense | $1,650 |
| Applicable income taxes | $8 |
| Net charge-offs | $479 |
| Cash dividends | $2,581 |
American National Bank - Fox Cities's interest expense for loans was $3,109,000.
American National Bank - Fox Cities's payroll and benefits expense were $2,745,000.
American National Bank - Fox Cities's property, plant and equipment expenses $387,000.
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 | 1.0% |
| 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 | $240,383 |
| Deposits held in domestic offices | $240,383 |
| Deposits by Individuals, partnerships, and corporations | $200,739 |
| Deposits by U.S. Government | $21 |
| Deposits by States and political subdivisions in the U.S. | $10,450 |
| Deposits by Commercial banks and other depository institutions in U.S. | $29,173 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $44,617 |
| Demand deposits | $24,629 |
| Nontransaction accounts | $195,766 |
| Money market deposit accounts (MMDAs) | $67,466 |
| Other savings deposits (excluding MMDAs) | $10,372 |
| Total time deposits | $117,928 |
| Total time and savings deposits | $215,754 |
| Noninterest-bearing deposits | $25,830 |
| Interest-bearing deposits | $214,553 |
| Retail deposits | $159,556 |
| IRAs and Keogh plan accounts | $2,857 |
| Brokered deposits | $66,324 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $290,551 |
| Cash & Balances due from depository institutions | $11,066 |
| Interest-bearing balances | $6,444 |
| Total securities | $52,416 |
| Federal funds sold & reverse repurchase | $5,235 |
| Net loans and leases | $209,304 |
| Loan and leases loss allowance | $3,415 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,156 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $410 |
| All other assets | $9,964 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $290,551 |
| Total Liabilities | $252,245 |
| Total deposits | $240,383 |
| Interest-bearing deposits | $214,553 |
| Deposits held in domestic offices | $240,383 |
| % insured (estimated) | $74 |
| Federal funds purchased and repurchase agreements | $9,854 |
| Trading liabilities | $0 |
| Other borrowed funds | $500 |
| Subordinated debt | $0 |
| All other liabilities | $1,508 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $209,304 |
| Loan and leases loss allowance | $3,415 |
| Total loans and leases (domestic) | $212,719 |
| All real estate loans | $144,223 |
| Real estate loans in domestic offices | $144,223 |
| Construction and development loans | $9,493 |
| Residential 1-4 family construction | $1,207 |
| Other construction, all land development and other land | $8,286 |
| Loans secured by nonfarm nonresidential properties | $115,718 |
| Nonfarm nonresidential secured by owner-occupied properties | $64,938 |
| Commercial real estate & other non-farm, non-residential | $50,780 |
| Multifamily residential real estate | $2,613 |
| 1-4 family residential loans | $16,013 |
| Farmland loans | $386 |
| Loans held in foreign offices | $0 |
| Farm loans | $888 |
| Commercial and industrial loans | $62,259 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $642 |
| Credit card loans | $0 |
| Related Plans | $2 |
| Consumer Auto Loans | $354 |
| Other loans to individuals | $286 |
| All other loans & leases | $4,707 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $4,682 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $275 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $896 |
| Non 1-4 family restructured loans & leases | $863 |
| Total loans and leases (foreign) | $0 |
American National Bank - Fox Cities had $209,304,000 of loans outstanding in 2018. $144,223,000 of loans were in real estate loans. $9,493,000 of loans were in development loans. $2,613,000 of loans were in multifamily mortgage loans. $16,013,000 of loans were in 1-4 family mortgage loans. $888,000 of loans were in farm loans. $0 of loans were in credit card loans. $354,000 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 | 142 | $34,834 | $245,310 |
| Nonfarm, nonresidential loans - <$100k | 25 | $1,136 | $45,440 |
| Nonfarm, nonresidential loans - $100-250k | 53 | $7,014 | $132,340 |
| Nonfarm, nonresidential loans - $250k-1MM | 64 | $26,684 | $416,938 |
| Commercial & Industrial, US addressed loans - <$1MM | 319 | $26,434 | $82,865 |
| Commercial & Industrial, US addressed loans - <$100k | 186 | $5,881 | $31,618 |
| Commercial & Industrial, US addressed loans - $100-250k | 90 | $7,223 | $80,256 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 43 | $13,330 | $310,000 |
| Farmland loans - <$1MM | 1 | $30 | $30,000 |
| Farmland loans - <$100k | 1 | $30 | $30,000 |
| Agriculture operations loans - <$1MM | 1 | $135 | $135,000 |
| Agriculture operations loans - $100-250k | 1 | $135 | $135,000 |