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 and Refi loans. American National Bank - Fox Cities has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Green Bay, Oshkosh, Milwaukee, and Shawano among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)American National Bank - Fox Cities has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
65Origination Dollar Volume (All Markets)
$15,325,000Employee count
31Top 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) | 35 | $7,815,000 | $223,286 | $0 | 0.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 12 | $3,110,000 | $259,167 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $1,595,000 | $227,857 | $0 | 0.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $0 | 0.00% |
| Shawano, WI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $0 | 0.00% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 65 | $15,325,000 | $235,769 | $0 | 0.00% |
For 2019, American National Bank - Fox Cities's most frequently originated type of loan was Conventional, with 65 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 36 | $8,920,000 | $247,778 | $0 | 0.00% |
| Refi | 15 | $4,175,000 | $278,333 | $0 | 0.00% |
| Cash Out Refi | 14 | $2,230,000 | $159,286 | $0 | 0.00% |
For 2019, American National Bank - Fox Cities's most frequently cited loan purpose was Home Purchase, with 36 originations. The 2nd most popular reason was Refi, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 65 | $15,325,000 | $235,769 | $0 | 0.00% |
For 2019, American National Bank - Fox Cities's most frequently cited loan duration was Other, with 65 originations.
Loan Sizing
2019 saw American National Bank - Fox Cities place emphasis on $200k-400k loans with 24 originations, totaling $6,530,000 in origination value.
Applicant Income
American National Bank - Fox Cities lent most frequently to those with incomes in the $150k-250k range, with 20 originations. The second most popular income band? $50k-75k, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 65 | $15,325,000 | $235,769 | $0 | 0.00% |
American National Bank - Fox Cities lent most frequently to those with DTI ratios of Exempt%, with 65 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.52%
American National Bank - Fox Cities has an average approval rate.
Pick Rate
Approvals leading to origination93.85%
American National Bank - Fox Cities has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 65 | $15,325,000 | $235,769 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICAN FINANCING CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 100.0% |
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 | $251,094 |
For 2019, American National Bank - Fox Cities had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $13,772 |
| Net interest income | $9,865 |
| Total noninterest income | $745 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $171 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $574 |
| Pre-tax net operating income | $6,770 |
| Securities gains (or losses, -) | $-54 |
| Income before extraordinary items | $6,706 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $6,706 |
| Minority interest net income | $0 |
| Net income | $6,706 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $6,760 |
American National Bank - Fox Cities's gross interest income from loans was $13,772,000.
American National Bank - Fox Cities's net interest income from loans was $9,865,000.
American National Bank - Fox Cities's fee based income from loans was $171,000.
American National Bank - Fox Cities's net income from loans was $6,706,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $3,907 |
| Provision for credit losses | $-1,345 |
| Total noninterest expense | $5,185 |
| Salaries and employee benefits | $2,988 |
| Premises and equipment expense | $423 |
| Additional noninterest expense | $1,774 |
| Applicable income taxes | $10 |
| Net charge-offs | $-520 |
| Cash dividends | $3,925 |
American National Bank - Fox Cities's interest expense for loans was $3,907,000.
American National Bank - Fox Cities's payroll and benefits expense were $2,988,000.
American National Bank - Fox Cities's property, plant and equipment expenses $423,000.
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 | $246,438 |
| Deposits held in domestic offices | $246,438 |
| Deposits by Individuals, partnerships, and corporations | $203,020 |
| Deposits by U.S. Government | $24 |
| Deposits by States and political subdivisions in the U.S. | $14,346 |
| Deposits by Commercial banks and other depository institutions in U.S. | $29,048 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $42,087 |
| Demand deposits | $22,480 |
| Nontransaction accounts | $204,351 |
| Money market deposit accounts (MMDAs) | $70,353 |
| Other savings deposits (excluding MMDAs) | $10,893 |
| Total time deposits | $123,106 |
| Total time and savings deposits | $223,958 |
| Noninterest-bearing deposits | $22,480 |
| Interest-bearing deposits | $223,958 |
| Retail deposits | $163,353 |
| IRAs and Keogh plan accounts | $2,646 |
| Brokered deposits | $70,291 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $301,912 |
| Cash & Balances due from depository institutions | $8,980 |
| Interest-bearing balances | $4,580 |
| Total securities | $55,790 |
| Federal funds sold & reverse repurchase | $1,553 |
| Net loans and leases | $220,926 |
| Loan and leases loss allowance | $2,590 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,133 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $352 |
| All other assets | $12,178 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $301,912 |
| Total Liabilities | $259,362 |
| Total deposits | $246,438 |
| Interest-bearing deposits | $223,958 |
| Deposits held in domestic offices | $246,438 |
| % insured (estimated) | $75 |
| Federal funds purchased and repurchase agreements | $6,505 |
| Trading liabilities | $0 |
| Other borrowed funds | $5,000 |
| Subordinated debt | $0 |
| All other liabilities | $1,419 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $220,926 |
| Loan and leases loss allowance | $2,590 |
| Total loans and leases (domestic) | $223,516 |
| All real estate loans | $161,103 |
| Real estate loans in domestic offices | $161,103 |
| Construction and development loans | $8,527 |
| Residential 1-4 family construction | $1,012 |
| Other construction, all land development and other land | $7,515 |
| Loans secured by nonfarm nonresidential properties | $128,407 |
| Nonfarm nonresidential secured by owner-occupied properties | $77,325 |
| Commercial real estate & other non-farm, non-residential | $51,082 |
| Multifamily residential real estate | $3,614 |
| 1-4 family residential loans | $20,193 |
| Farmland loans | $362 |
| Loans held in foreign offices | $0 |
| Farm loans | $860 |
| Commercial and industrial loans | $61,039 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $508 |
| Credit card loans | $0 |
| Related Plans | $1 |
| Consumer Auto Loans | $301 |
| Other loans to individuals | $206 |
| All other loans & leases | $6 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $6 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $2,278 |
| Non 1-4 family restructured loans & leases | $2,247 |
| Total loans and leases (foreign) | $0 |
American National Bank - Fox Cities had $220,926,000 of loans outstanding in 2019. $161,103,000 of loans were in real estate loans. $8,527,000 of loans were in development loans. $3,614,000 of loans were in multifamily mortgage loans. $20,193,000 of loans were in 1-4 family mortgage loans. $860,000 of loans were in farm loans. $0 of loans were in credit card loans. $301,000 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 | 135 | $37,207 | $275,607 |
| Nonfarm, nonresidential loans - <$100k | 21 | $911 | $43,381 |
| Nonfarm, nonresidential loans - $100-250k | 46 | $6,243 | $135,717 |
| Nonfarm, nonresidential loans - $250k-1MM | 68 | $30,053 | $441,956 |
| Commercial & Industrial, US addressed loans - <$1MM | 317 | $26,060 | $82,208 |
| Commercial & Industrial, US addressed loans - <$100k | 175 | $4,666 | $26,663 |
| Commercial & Industrial, US addressed loans - $100-250k | 90 | $6,430 | $71,444 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 52 | $14,964 | $287,769 |
| Farmland loans - <$1MM | 1 | $30 | $30,000 |
| Farmland loans - <$100k | 1 | $30 | $30,000 |
| Agriculture operations loans - <$1MM | 1 | $125 | $125,000 |
| Agriculture operations loans - $100-250k | 1 | $125 | $125,000 |