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, Refi, and Cash Out Refi loans. American National Bank - Fox Cities has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Oshkosh, Green Bay, Marinette, and Iron Mountain among others. We have data for 10 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
91Origination Dollar Volume (All Markets)
$22,085,000Employee count
35Top 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) | 45 | $11,845,000 | $263,222 | $0 | 0.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 23 | $5,075,000 | $220,652 | $0 | 0.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 9 | $2,685,000 | $298,333 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $1,175,000 | $167,857 | $0 | 0.00% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Shawano, WI (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 0.00% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 91 | $22,085,000 | $242,692 | $0 | 0.00% |
For 2021, American National Bank - Fox Cities's most frequently originated type of loan was Conventional, with 91 originations.
Loan Reason
For 2021, American National Bank - Fox Cities's most frequently cited loan purpose was Home Purchase, with 37 originations. The 2nd most popular reason was Refi, with 31 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 91 | $22,085,000 | $242,692 | $0 | 0.00% |
For 2021, American National Bank - Fox Cities's most frequently cited loan duration was Other, with 91 originations.
Loan Sizing
2021 saw American National Bank - Fox Cities place emphasis on $100k-200k loans with 36 originations, totaling $5,290,000 in origination value.
Applicant Income
American National Bank - Fox Cities lent most frequently to those with incomes in the $100k-150k range, with 19 originations. The second most popular income band? $75k-100k, with 19 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 91 | $22,085,000 | $242,692 | $0 | 0.00% |
American National Bank - Fox Cities lent most frequently to those with DTI ratios of Exempt%, with 91 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.17%
American National Bank - Fox Cities has an average approval rate.
Pick Rate
Approvals leading to origination93.41%
American National Bank - Fox Cities has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 91 | $22,085,000 | $242,692 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICAN FINANCING CORPORATION | VA mortgage | Closing on a mortgage | 1 | 8.3% |
| AMERICAN FINANCING CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 25.0% |
| AMERICAN FINANCING CORPORATION | Conventional home mortgage | Closing on a mortgage | 3 | 25.0% |
| AMERICAN FINANCING CORPORATION | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 25.0% |
| AMERICAN FINANCING CORPORATION | FHA mortgage | Struggling to pay mortgage | 1 | 8.3% |
| AMERICAN FINANCING CORPORATION | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 8.3% |
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 | $291,792 |
For 2021, American National Bank - Fox Cities had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $12,308 |
| Net interest income | $10,791 |
| Total noninterest income | $1,124 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $154 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $970 |
| Pre-tax net operating income | $5,807 |
| Securities gains (or losses, -) | $-80 |
| Income before extraordinary items | $5,380 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,380 |
| Minority interest net income | $0 |
| Net income | $5,380 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $5,455 |
American National Bank - Fox Cities's gross interest income from loans was $12,308,000.
American National Bank - Fox Cities's net interest income from loans was $10,791,000.
American National Bank - Fox Cities's fee based income from loans was $154,000.
American National Bank - Fox Cities's net income from loans was $5,380,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,517 |
| Provision for credit losses | $0 |
| Total noninterest expense | $6,108 |
| Salaries and employee benefits | $3,588 |
| Premises and equipment expense | $436 |
| Additional noninterest expense | $2,084 |
| Applicable income taxes | $347 |
| Net charge-offs | $115 |
| Cash dividends | $2,133 |
American National Bank - Fox Cities's interest expense for loans was $1,517,000.
American National Bank - Fox Cities's payroll and benefits expense were $3,588,000.
American National Bank - Fox Cities's property, plant and equipment expenses $436,000.
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 | 1.0% |
| 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 | $288,289 |
| Deposits held in domestic offices | $288,289 |
| Deposits by Individuals, partnerships, and corporations | $259,779 |
| Deposits by U.S. Government | $3 |
| Deposits by States and political subdivisions in the U.S. | $13,014 |
| Deposits by Commercial banks and other depository institutions in U.S. | $15,493 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $72,253 |
| Demand deposits | $46,919 |
| Nontransaction accounts | $216,036 |
| Money market deposit accounts (MMDAs) | $79,441 |
| Other savings deposits (excluding MMDAs) | $14,980 |
| Total time deposits | $121,615 |
| Total time and savings deposits | $241,370 |
| Noninterest-bearing deposits | $46,970 |
| Interest-bearing deposits | $241,319 |
| Retail deposits | $187,702 |
| IRAs and Keogh plan accounts | $2,206 |
| Brokered deposits | $93,773 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $357,442 |
| Cash & Balances due from depository institutions | $23,595 |
| Interest-bearing balances | $20,855 |
| Total securities | $71,923 |
| Federal funds sold & reverse repurchase | $1,716 |
| Net loans and leases | $244,021 |
| Loan and leases loss allowance | $2,947 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,719 |
| Other real estate owned | $199 |
| Goodwill and other intangibles | $435 |
| All other assets | $13,834 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $357,442 |
| Total Liabilities | $310,031 |
| Total deposits | $288,289 |
| Interest-bearing deposits | $241,319 |
| Deposits held in domestic offices | $288,289 |
| % insured (estimated) | $69 |
| Federal funds purchased and repurchase agreements | $529 |
| Trading liabilities | $0 |
| Other borrowed funds | $20,000 |
| Subordinated debt | $0 |
| All other liabilities | $1,213 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $244,021 |
| Loan and leases loss allowance | $2,947 |
| Total loans and leases (domestic) | $246,968 |
| All real estate loans | $177,128 |
| Real estate loans in domestic offices | $177,128 |
| Construction and development loans | $14,145 |
| Residential 1-4 family construction | $4,654 |
| Other construction, all land development and other land | $9,491 |
| Loans secured by nonfarm nonresidential properties | $138,305 |
| Nonfarm nonresidential secured by owner-occupied properties | $75,548 |
| Commercial real estate & other non-farm, non-residential | $62,757 |
| Multifamily residential real estate | $5,035 |
| 1-4 family residential loans | $19,226 |
| Farmland loans | $417 |
| Loans held in foreign offices | $0 |
| Farm loans | $114 |
| Commercial and industrial loans | $68,975 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $748 |
| Credit card loans | $0 |
| Related Plans | $1 |
| Consumer Auto Loans | $284 |
| Other loans to individuals | $463 |
| All other loans & leases | $3 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $3 |
| 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 | $2,078 |
| Non 1-4 family restructured loans & leases | $2,078 |
| Total loans and leases (foreign) | $0 |
American National Bank - Fox Cities had $244,021,000 of loans outstanding in 2021. $177,128,000 of loans were in real estate loans. $14,145,000 of loans were in development loans. $5,035,000 of loans were in multifamily mortgage loans. $19,226,000 of loans were in 1-4 family mortgage loans. $114,000 of loans were in farm loans. $0 of loans were in credit card loans. $284,000 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 | 133 | $35,353 | $265,812 |
| Nonfarm, nonresidential loans - <$100k | 19 | $938 | $49,368 |
| Nonfarm, nonresidential loans - $100-250k | 52 | $7,798 | $149,962 |
| Nonfarm, nonresidential loans - $250k-1MM | 62 | $26,617 | $429,306 |
| Commercial & Industrial, US addressed loans - <$1MM | 196 | $20,958 | $106,929 |
| Commercial & Industrial, US addressed loans - <$100k | 93 | $2,488 | $26,753 |
| Commercial & Industrial, US addressed loans - $100-250k | 54 | $5,219 | $96,648 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 49 | $13,251 | $270,429 |
| Farmland loans - <$1MM | 2 | $146 | $73,000 |
| Farmland loans - <$100k | 1 | $38 | $38,000 |
| Farmland loans - $100-250k | 1 | $108 | $108,000 |
| Agriculture operations loans - <$1MM | 1 | $114 | $114,000 |
| Agriculture operations loans - $100-250k | 1 | $114 | $114,000 |