American National Bank And Trust Company Mortgage Rates, Fees & Info
Danville, VA
LEI: 549300HGXROE7ZUGMP55
Tax ID: 54-0121975
5 stars
-
out of 5 stars, based on 38 reviews
Jump to:
Mortgage Data
Bank Data
Overview
American National Bank And Trust Company is a
smaller
bank
specializing in
Home Purchase and Refi loans.
American National Bank And Trust Company has a high proportion of conventional loans.
They have a low ratio of USDA loans.
They have a a low proportion of FHA loans. (This may mean they shy away from
first time homebuyers.)
Their top markets include Roanoke, Lynchburg, Greensboro, Myrtle Beach, and Burlington among others. American National Bank And Trust Company has
an above average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
American National Bank And Trust Company is typically
an average fee
lendor.
Originations
1,433
Origination Dollar Volume (All Markets)
$387,705,000
Employee count
346
Show all (16) awards
×
American National Bank and Trust Company - 2021
American National Bank and Trust Company is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for American National Bank and Trust Company?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
American National Bank And Trust Company's average 30 year fixed rate mortgage of loans were
2.85%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.3%.
Relative Fees
American National Bank And Trust Company's average total fees for a 30 year fixed rate
mortgage are $3,442.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
ROANOKE, VA (FHA|USDA|VA)
|
319
|
$63,175,000 |
$198,041 |
$3,554 |
3.32% |
LYNCHBURG, VA (FHA|USDA|VA)
|
170
|
$43,920,000 |
$258,353 |
$3,349 |
3.15% |
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA)
|
177
|
$43,235,000 |
$244,266 |
$4,003 |
3.35% |
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA)
|
18
|
$37,000,000 |
$2,055,556 |
$2,654 |
3.10% |
BURLINGTON, NC (FHA|USDA|VA)
|
118
|
$34,290,000 |
$290,593 |
$2,845 |
3.22% |
Danville, VA (FHA|USDA|VA)
|
201
|
$29,375,000 |
$146,144 |
$3,080 |
3.14% |
SPARTANBURG, SC (FHA|USDA|VA)
|
1
|
$21,475,000 |
$21,475,000 |
$0 |
1.70% |
WINSTON-SALEM, NC (FHA|USDA|VA)
|
69
|
$20,915,000 |
$303,116 |
$4,273 |
3.27% |
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA)
|
36
|
$17,790,000 |
$494,167 |
$3,356 |
3.51% |
RALEIGH-CARY, NC (FHA|USDA|VA)
|
45
|
$15,395,000 |
$342,111 |
$3,383 |
2.93% |
Martinsville, VA (FHA|USDA|VA)
|
109
|
$14,105,000 |
$129,404 |
$2,978 |
3.30% |
Outside of Metro Areas
|
71 |
$10,995,000 |
$154,859 |
$3,285 |
3.05% |
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA)
|
30
|
$9,500,000 |
$316,667 |
$3,234 |
3.15% |
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA)
|
18
|
$6,030,000 |
$335,000 |
$3,460 |
3.68% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA)
|
1
|
$3,335,000 |
$3,335,000 |
$0 |
3.15% |
WILMINGTON, NC (FHA|USDA|VA)
|
4
|
$1,630,000 |
$407,500 |
$3,166 |
3.03% |
FAYETTEVILLE, NC (FHA|USDA|VA)
|
2
|
$1,620,000 |
$810,000 |
$0 |
3.55% |
Georgetown, SC (FHA|USDA|VA)
|
1
|
$1,445,000 |
$1,445,000 |
$0 |
3.99% |
CHARLOTTESVILLE, VA (FHA|USDA|VA)
|
5
|
$1,265,000 |
$253,000 |
$6,091 |
2.90% |
Albemarle, NC (FHA|USDA|VA)
|
1
|
$1,255,000 |
$1,255,000 |
$0 |
3.50% |
RICHMOND, VA (FHA|USDA|VA)
|
4
|
$1,130,000 |
$282,500 |
$2,823 |
2.69% |
Morehead City, NC (FHA|USDA|VA)
|
3
|
$835,000 |
$278,333 |
$3,441 |
2.88% |
ROCKY MOUNT, NC (FHA|USDA|VA)
|
2
|
$630,000 |
$315,000 |
$3,823 |
2.98% |
Kill Devil Hills, NC (FHA|USDA|VA)
|
2
|
$580,000 |
$290,000 |
$3,043 |
2.70% |
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA)
|
2
|
$570,000 |
$285,000 |
$2,879 |
2.81% |
Shelby, NC (FHA|USDA|VA)
|
2
|
$550,000 |
$275,000 |
$2,896 |
2.63% |
GREENVILLE, NC (FHA|USDA|VA)
|
2
|
$530,000 |
$265,000 |
$1,779 |
2.88% |
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA)
|
1
|
$485,000 |
$485,000 |
$1,836 |
2.65% |
North Wilkesboro, NC (FHA|USDA|VA)
|
1
|
$435,000 |
$435,000 |
$3,382 |
3.00% |
NEW BERN, NC (FHA|USDA|VA)
|
2
|
$420,000 |
$210,000 |
$4,150 |
2.64% |
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA)
|
1
|
$365,000 |
$365,000 |
$3,010 |
3.00% |
Sanford, NC (FHA|USDA|VA)
|
1
|
$365,000 |
$365,000 |
$3,876 |
3.25% |
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA)
|
1
|
$355,000 |
$355,000 |
$0 |
3.90% |
ASHEVILLE, NC (FHA|USDA|VA)
|
1
|
$345,000 |
$345,000 |
$0 |
3.70% |
JACKSONVILLE, NC (FHA|USDA|VA)
|
1
|
$335,000 |
$335,000 |
$3,567 |
2.50% |
Brevard, NC (FHA|USDA|VA)
|
1
|
$325,000 |
$325,000 |
$5,288 |
3.13% |
HARRISONBURG, VA (FHA|USDA|VA)
|
1
|
$285,000 |
$285,000 |
$2,389 |
2.75% |
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA)
|
2
|
$280,000 |
$140,000 |
$3,052 |
3.00% |
COLUMBIA, SC (FHA|USDA|VA)
|
1
|
$275,000 |
$275,000 |
$0 |
3.66% |
STAUNTON, VA (FHA|USDA|VA)
|
1
|
$245,000 |
$245,000 |
$3,300 |
2.50% |
Henderson, NC (FHA|USDA|VA)
|
1
|
$235,000 |
$235,000 |
$3,052 |
2.88% |
Wilson, NC (FHA|USDA|VA)
|
1
|
$205,000 |
$205,000 |
$3,176 |
2.88% |
Rockingham, NC (FHA|USDA|VA)
|
2
|
$110,000 |
$55,000 |
$0 |
3.75% |
Cullowhee, NC (FHA|USDA|VA)
|
1
|
$65,000 |
$65,000 |
$2,571 |
2.63% |
American National Bank And Trust Company's top markets include Roanoke, Lynchburg, Greensboro, Myrtle Beach, and Burlington among others.
Product Mix
Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
Conventional |
1,380 |
$377,300,000 |
$273,406 |
$3,195 |
3.26% |
USDA |
27 |
$3,935,000 |
$145,741 |
$4,367 |
2.48% |
VA |
14 |
$4,440,000 |
$317,143 |
$4,991 |
2.36% |
FHA |
12 |
$2,030,000 |
$169,167 |
$6,257 |
2.66% |
For the 2021 period, American National Bank And Trust Company's most frequently
originated loan type
of loans were Conventional, with 1,380 originations.
Their 2nd most popular type is USDA,
with 27 originations.
Loan Reason
Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
Home Purchase |
571 |
$204,445,000 |
$358,047 |
$3,663 |
3.38% |
Refi |
517 |
$129,505,000 |
$250,493 |
$3,022 |
3.17% |
Other |
157 |
$18,035,000 |
$114,873 |
$2,221 |
3.16% |
Cash Out Refi |
128 |
$30,160,000 |
$235,625 |
$3,305 |
2.87% |
Home Improvement |
60 |
$5,560,000 |
$92,667 |
$2,137 |
3.36% |
For the 2021, American National Bank And Trust Company's most frequently cited loan
purpose
of loans were Home Purchase, with 571
originations.
The 2nd most popular reason of loans were Refi,
with 517 originations.
Loan Duration/Length
Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
10 Year |
386 |
$61,150,000 |
$158,420 |
$2,589 |
3.12% |
5 Year |
366 |
$156,680,000 |
$428,087 |
$1,559 |
3.88% |
30 Year |
304 |
$73,820,000 |
$242,829 |
$3,442 |
2.85% |
15 Year |
270 |
$68,710,000 |
$254,481 |
$3,421 |
2.77% |
Other |
47 |
$15,685,000 |
$333,723 |
$2,161 |
3.77% |
1 Year |
29 |
$4,345,000 |
$149,828 |
$2,927 |
4.11% |
20 Year |
26 |
$5,190,000 |
$199,615 |
$3,014 |
2.93% |
3 Year |
5 |
$2,125,000 |
$425,000 |
$0 |
3.85% |
For the 2021, American National Bank And Trust Company's most frequently cited loan
length
of loans were 10 Year, with 386 originations.
The 2nd most popular length of loans were 5 Year,
with 366 originations.
Origination Fees
Origination Fee |
Originations |
Total Value |
Average Loan |
$1k-2k |
420 |
$95,850,000 |
$228,214 |
$<1k |
181 |
$43,255,000 |
$238,978 |
$2k-3k |
18 |
$4,740,000 |
$263,333 |
$3k-4k |
16 |
$5,410,000 |
$338,125 |
$5k+ |
11 |
$5,495,000 |
$499,545 |
$3,442 of loans were American National Bank And Trust Company's
average total fees, while their most
frequently occuring range of origination fees were in the
$1k-2k bucket,
with 420 originations.
Interest Rates
Loan Rate |
Originations |
Total Value |
Average Loan |
3-4% |
651 |
$153,075,000 |
$235,138 |
2.5-3% |
493 |
$131,505,000 |
$266,744 |
<2.5% |
177 |
$90,545,000 |
$511,554 |
4-5% |
96 |
$11,480,000 |
$119,583 |
5-6% |
13 |
$865,000 |
$66,538 |
6-7% |
3 |
$235,000 |
$78,333 |
During 2021, American National Bank And Trust Company's average interest
rate of loans were 2.85%, while their
most frequently originated rate bucket of loans were 3-4%,
with 651 originations.
Loan Sizing
Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
$100k-200k |
471 |
$67,005,000 |
$142,261 |
$2,976 |
3.22% |
$100,000 or less |
417 |
$25,095,000 |
$60,180 |
$2,586 |
3.47% |
$200k-400k |
362 |
$100,070,000 |
$276,436 |
$3,563 |
3.02% |
$400k-600k |
119 |
$57,045,000 |
$479,370 |
$4,358 |
3.02% |
$600k-1MM |
36 |
$26,650,000 |
$740,278 |
$4,536 |
3.42% |
$1MM+ |
28 |
$111,840,000 |
$3,994,286 |
$5,678 |
3.29% |
2021 saw American National Bank And Trust Company place emphasis on
$100k-200k loans
with 471 originations, totaling
$67,005,000 in origination value.
Applicant Income
Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
$100k-150k |
214 |
$42,820,000 |
$200,093 |
$3,342 |
3.08% |
$50k-75k |
187 |
$28,265,000 |
$151,150 |
$3,176 |
2.96% |
$150k-250k |
178 |
$46,260,000 |
$259,888 |
$3,384 |
2.97% |
$50k or less |
176 |
$16,580,000 |
$94,205 |
$2,928 |
3.15% |
$75k-100k |
150 |
$27,980,000 |
$186,533 |
$3,420 |
2.90% |
$250k+ |
126 |
$48,100,000 |
$381,746 |
$4,037 |
3.07% |
American National Bank And Trust Company lent most frequently to those with incomes in the
$100k-150k range, with
214 originations.
The second most popular income band? $50k-75k,
with 187 originations.
Applicant Debt to Income Ratio
DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
20-30% |
290 |
$57,670,000 |
$198,862 |
$3,319 |
2.95% |
<20% |
236 |
$48,360,000 |
$204,915 |
$3,312 |
2.91% |
30-36% |
176 |
$30,770,000 |
$174,830 |
$3,168 |
2.93% |
38% |
33 |
$5,155,000 |
$156,212 |
$2,841 |
2.98% |
42% |
30 |
$5,710,000 |
$190,333 |
$3,265 |
3.03% |
37% |
29 |
$7,055,000 |
$243,276 |
$4,250 |
3.06% |
40% |
29 |
$7,015,000 |
$241,897 |
$3,582 |
2.88% |
41% |
29 |
$4,845,000 |
$167,069 |
$3,383 |
3.08% |
39% |
27 |
$5,935,000 |
$219,815 |
$3,077 |
3.03% |
36% |
27 |
$6,055,000 |
$224,259 |
$3,235 |
3.05% |
43% |
19 |
$4,305,000 |
$226,579 |
$4,212 |
3.02% |
45% |
13 |
$3,175,000 |
$244,231 |
$3,667 |
2.72% |
44% |
10 |
$2,400,000 |
$240,000 |
$3,116 |
2.76% |
46% |
9 |
$2,385,000 |
$265,000 |
$4,512 |
2.81% |
50-60% |
7 |
$2,015,000 |
$287,857 |
$3,974 |
3.04% |
48% |
6 |
$1,450,000 |
$241,667 |
$4,398 |
2.85% |
>60% |
5 |
$795,000 |
$159,000 |
$0 |
3.05% |
49% |
4 |
$870,000 |
$217,500 |
$3,276 |
3.00% |
47% |
3 |
$385,000 |
$128,333 |
$2,464 |
2.75% |
American National Bank And Trust Company lent most frequently to those with DTI ratios
of 20-30%, with
290 originations.
The next most common DTI ratio? <20%,
with 236 originations.
Ethnicity Mix
Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
White |
893 |
$178,655,000 |
$200,062 |
$3,342 |
3.02% |
Not applicable |
353 |
$169,975,000 |
$481,516 |
$0 |
3.84% |
Not provided |
113 |
$21,715,000 |
$192,168 |
$3,229 |
3.09% |
Black |
43 |
$8,325,000 |
$193,605 |
$3,194 |
3.24% |
Asian |
24 |
$7,970,000 |
$332,083 |
$3,752 |
2.83% |
Other Pacific Islander |
2 |
$420,000 |
$210,000 |
$0 |
3.44% |
American Indian |
2 |
$320,000 |
$160,000 |
$3,993 |
2.69% |
Native Hawaiian |
2 |
$200,000 |
$100,000 |
$0 |
4.13% |
Vietnamese |
1 |
$125,000 |
$125,000 |
$0 |
6.25% |
Approval Rates
Total approvals of all applications
93.16%
American National Bank And Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination
89.63%
American National Bank And Trust Company has an average pick rate.
Points and Fees
Points |
Originations |
Total Value |
Average Loan |
NA |
1,433 |
$387,705,000 |
$270,555 |
Occupancy Type Mix
Dwelling Type |
Originations |
Total Value |
Average Loan |
|
1,433 |
$387,705,000 |
$270,555 |
LTV Distribution
Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
20-40% |
190 |
$26,220,000 |
$138,000 |
$2,871 |
3.12% |
40-60% |
264 |
$85,230,000 |
$322,841 |
$3,066 |
3.11% |
60-80% |
534 |
$184,420,000 |
$345,356 |
$3,264 |
3.35% |
80-100% |
304 |
$79,060,000 |
$260,066 |
$3,772 |
3.16% |
Over 100% |
3 |
$1,225,000 |
$408,333 |
$14,015 |
3.15% |
Under 20% |
126 |
$9,900,000 |
$78,571 |
$2,066 |
3.31% |
Complaints
Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
American Mortgage Service Company |
Other type of mortgage |
Applying for a mortgage or refinancing an existing mortgage |
1 |
33.3% |
American Mortgage Service Company |
FHA mortgage |
Closing on a mortgage |
2 |
66.7% |
Bank Details
Branches
Bank Name |
Branch |
Branch Type |
Deposits (000's) |
American National Bank and Trust Company |
3101 South Church Street Burlington, NC 27215 |
Full Service B&M
|
$225,487 |
American National Bank and Trust Company |
1008 Mebane Oaks Road Mebane, NC 27302 |
Full Service B&M
|
$50,227 |
American National Bank and Trust Company |
109 North Main Street Gretna, VA 24557 |
Full Service B&M
|
$52,325 |
American National Bank and Trust Company |
12930 Booker T. Washington Highway Hardy, VA 24101 |
Full Service B&M
|
$88,637 |
American National Bank and Trust Company |
13880 U.S. Highway 29 Chatham, VA 24531 |
Full Service B&M
|
$71,428 |
American National Bank and Trust Company |
1407 South Boston Road Danville, VA 24540 |
Full Service B&M
|
$36,321 |
American National Bank and Trust Company |
1646 Graves Mill Road Lynchburg, VA 24502 |
Full Service B&M
|
$48,863 |
American National Bank and Trust Company |
173 Main Street Yanceyville, NC 27379 |
Full Service B&M
|
$30,793 |
American National Bank and Trust Company |
202 South Jefferson Street Roanoke, VA 24011 |
Full Service B&M
|
$127,008 |
American National Bank and Trust Company |
20479 Timberlake Road Lynchburg, VA 24502 |
Full Service B&M
|
$44,652 |
American National Bank and Trust Company |
22 Miller Street, Suite 520 Winston Salem, NC 27104 |
Full Service B&M
|
$33,296 |
American National Bank and Trust Company |
239 Nor-Dan Drive Danville, VA 24540 |
Full Service B&M
|
$45,992 |
American National Bank and Trust Company |
2950 Market Street Christiansburg, VA 24073 |
Full Service B&M
|
$136,449 |
American National Bank and Trust Company |
852 West Main Street Salem, VA 24153 |
Full Service B&M
|
$56,212 |
American National Bank and Trust Company |
900 Liberty Street Martinsville, VA 24112 |
Full Service B&M
|
$100,619 |
American National Bank and Trust Company |
3521 Franklin Road Sw Roanoke, VA 24014 |
Full Service B&M
|
$79,449 |
American National Bank and Trust Company |
3609 Old Halifax Road South Boston, VA 24592 |
Full Service B&M
|
$139,587 |
American National Bank and Trust Company |
3700 Glenwood Avenue Raleigh, NC 27612 |
Full Service B&M
|
$11,325 |
American National Bank and Trust Company |
3810 Greensboro Road Ridgeway, VA 24148 |
Full Service B&M
|
$96,941 |
American National Bank and Trust Company |
400 Old Franklin Turnpike, Suite 100 Rocky Mount, VA 24151 |
Full Service B&M
|
$138,516 |
American National Bank and Trust Company |
4225 Colonial Avenue Roanoke, VA 24018 |
Full Service B&M
|
$194,262 |
American National Bank and Trust Company |
445 Mount Cross Road Danville, VA 24540 |
Full Service B&M
|
$57,016 |
American National Bank and Trust Company |
5509 W Friendly Ave, Ste 102 Greensboro, NC 27410 |
Full Service B&M
|
$33,403 |
American National Bank and Trust Company |
628 Main Street Danville, VA 24541 |
Full Service B&M
|
$511,339 |
American National Bank and Trust Company |
703 Green Valley Road, Suite 101 Greensboro, NC 27408 |
Full Service Retail
|
$238,051 |
American National Bank and Trust Company |
842 South Main Street Graham, NC 27253 |
Full Service B&M
|
$125,811 |
For 2021, American National Bank And Trust Company had 26 branches.
Yearly Performance Overview
Bank Income
American National Bank And Trust Company's gross interest income from loans was $95,405,000.
American National Bank And Trust Company's net interest income from loans was $91,738,000.
American National Bank And Trust Company's fee based income from loans was $2,611,000.
American National Bank And Trust Company's net income from loans was $45,616,000.
Bank Expenses
Item |
Value (in 000's) |
Total interest expense |
$3,667 |
Provision for credit losses |
$-2,825 |
Total noninterest expense |
$57,579 |
Salaries and employee benefits |
$31,902 |
Premises and equipment expense |
$6,032 |
Additional noninterest expense |
$19,645 |
Applicable income taxes |
$12,268 |
Net charge-offs |
$-100 |
Cash dividends |
$16,000 |
American National Bank And Trust Company's interest expense for loans was $3,667,000.
American National Bank And Trust Company's payroll and benefits expense were $31,902,000.
American National Bank And Trust Company's property, plant and equipment expenses $6,032,000.
Deposits
Type |
Value (in 000's) |
Total deposits |
$2,896,863 |
Deposits held in domestic offices |
$2,896,863 |
Deposits by Individuals, partnerships, and corporations |
$2,560,786 |
Deposits by U.S. Government |
$1 |
Deposits by States and political subdivisions in the U.S. |
$328,168 |
Deposits by Commercial banks and other depository institutions in U.S. |
$7,909 |
Deposits by Banks in foreign countries |
$0 |
Deposits by Foreign governments and official institutions |
$0 |
Transaction accounts |
$303,835 |
Demand deposits |
$223,822 |
Nontransaction accounts |
$2,593,029 |
Money market deposit accounts (MMDAs) |
$1,979,132 |
Other savings deposits (excluding MMDAs) |
$259,193 |
Total time deposits |
$354,703 |
Total time and savings deposits |
$2,673,042 |
Noninterest-bearing deposits |
$1,015,591 |
Interest-bearing deposits |
$1,881,272 |
Retail deposits |
$2,740,555 |
IRAs and Keogh plan accounts |
$46,308 |
Brokered deposits |
$0 |
Deposits held in foreign offices |
$0 |
Assets
Asset |
Value (in 000's) |
Total Assets |
$3,327,290 |
Cash & Balances due from depository institutions |
$506,818 |
Interest-bearing balances |
$483,723 |
Total securities |
$690,701 |
Federal funds sold & reverse repurchase |
$0 |
Net loans and leases |
$1,936,383 |
Loan and leases loss allowance |
$18,678 |
Trading account assets |
$0 |
Bank premises and fixed assets |
$39,503 |
Other real estate owned |
$143 |
Goodwill and other intangibles |
$89,675 |
All other assets |
$64,067 |
Liabilities
Liabilities |
Value (in 000's) |
Total liabilities and capital |
$3,327,290 |
Total Liabilities |
$2,955,271 |
Total deposits |
$2,896,863 |
Interest-bearing deposits |
$1,881,272 |
Deposits held in domestic offices |
$2,896,863 |
% insured (estimated) |
$54 |
Federal funds purchased and repurchase agreements |
$41,128 |
Trading liabilities |
$0 |
Other borrowed funds |
$0 |
Subordinated debt |
$0 |
All other liabilities |
$17,280 |
Issued Loan Types
Type |
Value (in 000's) |
Net loans and leases |
$1,936,383 |
Loan and leases loss allowance |
$18,678 |
Total loans and leases (domestic) |
$1,955,061 |
All real estate loans |
$1,648,215 |
Real estate loans in domestic offices |
$1,648,215 |
Construction and development loans |
$134,221 |
Residential 1-4 family construction |
$9,723 |
Other construction, all land development and other land |
$124,498 |
Loans secured by nonfarm nonresidential properties |
$956,630 |
Nonfarm nonresidential secured by owner-occupied properties |
$374,070 |
Commercial real estate & other non-farm, non-residential |
$582,560 |
Multifamily residential real estate |
$148,475 |
1-4 family residential loans |
$391,442 |
Farmland loans |
$17,447 |
Loans held in foreign offices |
$0 |
Farm loans |
$2,990 |
Commercial and industrial loans |
$244,535 |
To non-U.S. addressees |
$0 |
Loans to individuals |
$6,985 |
Credit card loans |
$0 |
Related Plans |
$369 |
Consumer Auto Loans |
$2,025 |
Other loans to individuals |
$4,591 |
All other loans & leases |
$52,337 |
Loans to foreign governments and official institutions |
$0 |
Other loans |
$11,160 |
Loans to depository institutions and acceptances of other banks |
$0 |
Loans not secured by real estate |
$8,489 |
Loans secured by real estate to non-U.S. addressees |
$0 |
Restructured Loans & leases |
$608 |
Non 1-4 family restructured loans & leases |
$93 |
Total loans and leases (foreign) |
$0 |
American National Bank and Trust Company had $1,936,383,000 of loans outstanding in 2021. $1,648,215,000 of loans were in real estate loans.
$134,221,000 of loans were in development loans. $148,475,000 of loans were in multifamily mortgage loans.
$391,442,000 of loans were in 1-4 family mortgage loans. $2,990,000 of loans were in farm loans. $0
of loans were in credit card loans. $2,025,000 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 |
853 |
$240,999 |
$282,531 |
Nonfarm, nonresidential loans - <$100k |
116 |
$4,248 |
$36,621 |
Nonfarm, nonresidential loans - $100-250k |
284 |
$37,813 |
$133,144 |
Nonfarm, nonresidential loans - $250k-1MM |
453 |
$198,938 |
$439,157 |
Commercial & Industrial, US addressed loans - <$1MM |
1,228 |
$97,698 |
$79,559 |
Commercial & Industrial, US addressed loans - <$100k |
708 |
$14,192 |
$20,045 |
Commercial & Industrial, US addressed loans - $100-250k |
253 |
$18,745 |
$74,091 |
Commercial & Industrial, US addressed loans - $250k-1MM |
267 |
$64,761 |
$242,551 |
Farmland loans - <$1MM |
27 |
$3,381 |
$125,222 |
Farmland loans - <$100k |
11 |
$371 |
$33,727 |
Farmland loans - $100-250k |
11 |
$1,440 |
$130,909 |
Farmland loans - $250k-1MM |
5 |
$1,570 |
$314,000 |
Agriculture operations loans - <$1MM |
26 |
$1,383 |
$53,192 |
Agriculture operations loans - <$100k |
18 |
$361 |
$20,056 |
Agriculture operations loans - $100-250k |
6 |
$588 |
$98,000 |
Agriculture operations loans - $250k-1MM |
2 |
$434 |
$217,000 |