American National Bank Mortgage Rates, Fees & Info
Omaha, NE
LEI: VEQ70DCTAI4TBBHPYI39
Tax ID: 47-0486526
5 stars
-
out of 5 stars, based on 37 reviews
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Mortgage Data
Bank Data
Overview
American National Bank is a
smaller
bank
specializing in
Home Purchase and Refi loans.
American National Bank has a high proportion of conventional loans.
They have an average proportion of FHA loans.
They have a low ratio of USDA loans.
Their top markets include Omaha, Minneapolis, Phoenix, Lincoln, and Kansas City among others. American National Bank 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 is typically
a low fee
lendor.
Originations
1,378
Origination Dollar Volume (All Markets)
$300,730,000
Employee count
528
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American National Bank - 2021
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Relative Rate
American National Bank's average 30 year fixed rate mortgage of loans were
2.78%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.37%.
Relative Fees
American National Bank's average total fees for a 30 year fixed rate
mortgage are $2,993.
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 |
|
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA)
|
1,123
|
$217,975,000 |
$194,101 |
$2,729 |
2.80% |
|
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA)
|
98
|
$50,660,000 |
$516,939 |
$2,718 |
3.65% |
|
Outside of Metro Areas
|
92 |
$15,420,000 |
$167,609 |
$2,566 |
2.85% |
|
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)
|
4
|
$1,780,000 |
$445,000 |
$3,458 |
3.09% |
|
LINCOLN, NE (FHA|USDA|VA)
|
7
|
$1,325,000 |
$189,286 |
$2,500 |
3.13% |
|
KANSAS CITY, MO-KS (FHA|USDA|VA)
|
3
|
$995,000 |
$331,667 |
$2,510 |
3.00% |
|
Fremont, NE (FHA|USDA|VA)
|
4
|
$960,000 |
$240,000 |
$2,878 |
3.25% |
|
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA)
|
1
|
$855,000 |
$855,000 |
$3,577 |
2.75% |
|
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA)
|
1
|
$645,000 |
$645,000 |
$24,156 |
2.88% |
|
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)
|
2
|
$620,000 |
$310,000 |
$6,762 |
2.88% |
|
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA)
|
2
|
$560,000 |
$280,000 |
$3,932 |
3.65% |
|
WICHITA, KS (FHA|USDA|VA)
|
1
|
$545,000 |
$545,000 |
$3,617 |
2.25% |
|
MUSKEGON, MI (FHA|USDA|VA)
|
1
|
$545,000 |
$545,000 |
$3,548 |
3.00% |
|
Spirit Lake, IA (FHA|USDA|VA)
|
3
|
$525,000 |
$175,000 |
$2,890 |
3.50% |
|
Brainerd, MN (FHA|USDA|VA)
|
1
|
$515,000 |
$515,000 |
$3,176 |
2.88% |
|
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA)
|
1
|
$495,000 |
$495,000 |
$2,343 |
3.00% |
|
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA)
|
1
|
$485,000 |
$485,000 |
$3,190 |
3.63% |
|
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA)
|
1
|
$435,000 |
$435,000 |
$0 |
3.85% |
|
PUNTA GORDA, FL (FHA|USDA|VA)
|
1
|
$395,000 |
$395,000 |
$0 |
3.40% |
|
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA)
|
3
|
$355,000 |
$118,333 |
$4,180 |
3.67% |
|
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA)
|
1
|
$315,000 |
$315,000 |
$4,636 |
2.63% |
|
TULSA, OK (FHA|USDA|VA)
|
1
|
$295,000 |
$295,000 |
$4,312 |
4.00% |
|
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA)
|
2
|
$290,000 |
$145,000 |
$3,332 |
3.50% |
|
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA)
|
1
|
$285,000 |
$285,000 |
$3,646 |
2.38% |
|
BILLINGS, MT (FHA|USDA|VA)
|
1
|
$265,000 |
$265,000 |
$2,442 |
2.75% |
|
FORT COLLINS, CO (FHA|USDA|VA)
|
1
|
$265,000 |
$265,000 |
$2,125 |
2.63% |
|
Hastings, NE (FHA|USDA|VA)
|
1
|
$245,000 |
$245,000 |
$1,674 |
2.88% |
|
Norfolk, NE (FHA|USDA|VA)
|
2
|
$220,000 |
$110,000 |
$2,196 |
2.88% |
|
Carroll, IA (FHA|USDA|VA)
|
2
|
$220,000 |
$110,000 |
$3,035 |
3.44% |
|
DULUTH, MN-WI (FHA|USDA|VA)
|
1
|
$215,000 |
$215,000 |
$0 |
3.90% |
|
KENNEWICK-RICHLAND, WA (FHA|USDA|VA)
|
1
|
$205,000 |
$205,000 |
$2,636 |
3.25% |
|
SPRINGFIELD, MO (FHA|USDA|VA)
|
1
|
$205,000 |
$205,000 |
$2,840 |
2.88% |
|
Marshalltown, IA (FHA|USDA|VA)
|
1
|
$195,000 |
$195,000 |
$2,882 |
3.13% |
|
EL PASO, TX (FHA|USDA|VA)
|
1
|
$175,000 |
$175,000 |
$3,450 |
3.00% |
|
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA)
|
1
|
$165,000 |
$165,000 |
$3,326 |
2.75% |
|
OKLAHOMA CITY, OK (FHA|USDA|VA)
|
2
|
$160,000 |
$80,000 |
$0 |
3.63% |
|
Fergus Falls, MN (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$2,714 |
3.63% |
|
MANHATTAN, KS (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$2,258 |
3.50% |
|
ST. JOSEPH, MO-KS (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$4,673 |
2.75% |
|
Beatrice, NE (FHA|USDA|VA)
|
2
|
$150,000 |
$75,000 |
$2,352 |
2.00% |
|
VALDOSTA, GA (FHA|USDA|VA)
|
1
|
$135,000 |
$135,000 |
$3,977 |
3.25% |
|
SIOUX CITY, IA-NE-SD (FHA|USDA|VA)
|
1
|
$115,000 |
$115,000 |
$0 |
3.38% |
|
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA)
|
1
|
$55,000 |
$55,000 |
$0 |
3.50% |
American National Bank's top markets include Omaha, Minneapolis, Phoenix, Lincoln, and Kansas City among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
1,116 |
$247,790,000 |
$222,034 |
$2,040 |
2.88% |
| FHA |
176 |
$30,100,000 |
$171,023 |
$5,672 |
2.89% |
| VA |
82 |
$22,180,000 |
$270,488 |
$5,023 |
2.78% |
| USDA |
4 |
$660,000 |
$165,000 |
$4,568 |
2.75% |
For the 2021 period, American National Bank's most frequently
originated loan type
of loans were Conventional, with 1,116 originations.
Their 2nd most popular type is FHA,
with 176 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Home Purchase |
886 |
$193,660,000 |
$218,578 |
$3,029 |
2.66% |
| Refi |
245 |
$60,465,000 |
$246,796 |
$2,206 |
3.06% |
| Cash Out Refi |
194 |
$40,750,000 |
$210,052 |
$2,625 |
3.29% |
| Home Improvement |
35 |
$2,945,000 |
$84,143 |
$698 |
4.01% |
| Other |
18 |
$2,910,000 |
$161,667 |
$1,433 |
4.23% |
For the 2021, American National Bank's most frequently cited loan
purpose
of loans were Home Purchase, with 886
originations.
The 2nd most popular reason of loans were Refi,
with 245 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 30 Year |
1,071 |
$222,645,000 |
$207,885 |
$2,993 |
2.78% |
| 15 Year |
122 |
$24,680,000 |
$202,295 |
$2,119 |
3.02% |
| 10 Year |
70 |
$24,710,000 |
$353,000 |
$475 |
2.62% |
| 5 Year |
41 |
$13,395,000 |
$326,707 |
$265 |
3.98% |
| Other |
33 |
$7,375,000 |
$223,485 |
$1,624 |
4.05% |
| 20 Year |
29 |
$5,695,000 |
$196,379 |
$2,091 |
3.11% |
| 1 Year |
11 |
$2,175,000 |
$197,727 |
$0 |
4.06% |
| 3 Year |
1 |
$55,000 |
$55,000 |
$0 |
3.99% |
For the 2021, American National Bank's most frequently cited loan
length
of loans were 30 Year, with 1,071 originations.
The 2nd most popular length of loans were 15 Year,
with 122 originations.
Origination Fees
| Origination Fee |
Originations |
Total Value |
Average Loan |
| $<1k |
796 |
$148,200,000 |
$186,181 |
| $1k-2k |
376 |
$78,170,000 |
$207,899 |
| $2k-3k |
53 |
$17,115,000 |
$322,925 |
| $3k-4k |
22 |
$7,100,000 |
$322,727 |
| $5k+ |
3 |
$1,285,000 |
$428,333 |
$2,993 of loans were American National Bank's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 796 originations.
Interest Rates
| Loan Rate |
Originations |
Total Value |
Average Loan |
| 3-4% |
542 |
$144,720,000 |
$267,011 |
| 2.5-3% |
479 |
$110,165,000 |
$229,990 |
| <2.5% |
248 |
$25,530,000 |
$102,944 |
| 4-5% |
96 |
$18,150,000 |
$189,063 |
| 5-6% |
13 |
$2,165,000 |
$166,538 |
During 2021, American National Bank's average interest
rate of loans were 2.78%, while their
most frequently originated rate bucket of loans were 3-4%,
with 542 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-200k |
471 |
$70,055,000 |
$148,737 |
$3,140 |
3.13% |
| $200k-400k |
454 |
$125,690,000 |
$276,850 |
$3,368 |
3.09% |
| $100,000 or less |
314 |
$11,520,000 |
$36,688 |
$894 |
2.03% |
| $400k-600k |
110 |
$52,780,000 |
$479,818 |
$3,428 |
3.14% |
| $1MM+ |
18 |
$32,780,000 |
$1,821,111 |
$5,817 |
3.67% |
| $600k-1MM |
11 |
$7,905,000 |
$718,636 |
$7,546 |
3.70% |
2021 saw American National Bank place emphasis on
$100k-200k loans
with 471 originations, totaling
$70,055,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $50k-75k |
318 |
$45,580,000 |
$143,333 |
$2,656 |
2.70% |
| $50k or less |
309 |
$28,135,000 |
$91,052 |
$2,294 |
2.33% |
| $100k-150k |
229 |
$57,875,000 |
$252,729 |
$3,028 |
3.09% |
| $75k-100k |
208 |
$44,110,000 |
$212,067 |
$3,179 |
3.09% |
| $150k-250k |
122 |
$37,440,000 |
$306,885 |
$2,968 |
3.27% |
| $250k+ |
85 |
$40,965,000 |
$481,941 |
$3,140 |
3.26% |
American National Bank lent most frequently to those with incomes in the
$50k-75k range, with
318 originations.
The second most popular income band? $50k or less,
with 309 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-30% |
290 |
$63,030,000 |
$217,345 |
$2,534 |
2.90% |
| 30-36% |
280 |
$56,790,000 |
$202,821 |
$2,531 |
2.71% |
| <20% |
89 |
$19,475,000 |
$218,820 |
$2,270 |
3.09% |
| 44% |
77 |
$13,925,000 |
$180,844 |
$2,687 |
2.71% |
| 42% |
55 |
$9,005,000 |
$163,727 |
$2,736 |
2.57% |
| 41% |
53 |
$9,825,000 |
$185,377 |
$2,631 |
2.79% |
| 37% |
53 |
$9,855,000 |
$185,943 |
$2,761 |
2.85% |
| 43% |
51 |
$10,825,000 |
$212,255 |
$3,177 |
2.89% |
| 49% |
40 |
$7,770,000 |
$194,250 |
$2,976 |
2.79% |
| 39% |
40 |
$7,850,000 |
$196,250 |
$2,273 |
3.03% |
| 40% |
39 |
$7,465,000 |
$191,410 |
$3,047 |
2.99% |
| 38% |
39 |
$6,835,000 |
$175,256 |
$2,680 |
2.48% |
| 50-60% |
37 |
$8,605,000 |
$232,568 |
$6,229 |
3.19% |
| 36% |
34 |
$4,380,000 |
$128,824 |
$2,328 |
2.70% |
| 48% |
30 |
$5,130,000 |
$171,000 |
$3,368 |
2.51% |
| 47% |
29 |
$5,415,000 |
$186,724 |
$3,109 |
3.09% |
| 46% |
26 |
$5,130,000 |
$197,308 |
$3,439 |
2.75% |
| 45% |
25 |
$4,725,000 |
$189,000 |
$3,353 |
3.05% |
| >60% |
5 |
$1,275,000 |
$255,000 |
$2,327 |
4.42% |
American National Bank lent most frequently to those with DTI ratios
of 20-30%, with
290 originations.
The next most common DTI ratio? 30-36%,
with 280 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| White |
1,152 |
$226,430,000 |
$196,554 |
$2,770 |
2.79% |
| Not applicable |
60 |
$35,730,000 |
$595,500 |
$0 |
3.83% |
| Not provided |
119 |
$28,295,000 |
$237,773 |
$2,329 |
3.18% |
| Asian |
22 |
$5,050,000 |
$229,545 |
$2,809 |
3.00% |
| Black |
20 |
$4,220,000 |
$211,000 |
$4,174 |
3.27% |
| American Indian |
5 |
$1,005,000 |
$201,000 |
$2,404 |
3.28% |
Approval Rates
Total approvals of all applications
93.84%
American National Bank has an average approval rate.
Pick Rate
Approvals leading to origination
78.17%
American National Bank has a below average pick rate.
Points and Fees
| Points |
Originations |
Total Value |
Average Loan |
| NA |
1,378 |
$300,730,000 |
$218,237 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
1,378 |
$300,730,000 |
$218,237 |
LTV Distribution
| Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-40% |
51 |
$7,965,000 |
$156,176 |
$1,674 |
3.57% |
| 40-60% |
143 |
$30,465,000 |
$213,042 |
$2,227 |
3.06% |
| 60-80% |
386 |
$107,380,000 |
$278,187 |
$2,623 |
3.26% |
| 80-100% |
595 |
$145,075,000 |
$243,824 |
$3,730 |
3.09% |
| Over 100% |
11 |
$3,595,000 |
$326,818 |
$11,239 |
3.25% |
| Under 20% |
185 |
$2,765,000 |
$14,946 |
$75 |
1.02% |
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 |
FHA 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 |
Struggling to pay 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 |
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 |
1204 Locust Street Carter Lake, IA 51510 |
Full Service B&M
|
$18,792 |
| American National Bank |
101 Old Lincoln Highway Crescent, IA 51526 |
Full Service B&M
|
$50,927 |
| American National Bank |
1100 East Fourth Avenue Shakopee, MN 55379 |
Full Service B&M
|
$85,851 |
| American National Bank |
1155 Hadley Avenue North Oakdale, MN 55128 |
Full Service B&M
|
$75,826 |
| American National Bank |
2650 West Broadway Council Bluffs, IA 51501 |
Full Service B&M
|
$39,189 |
| American National Bank |
2711 N.E. Highway 10 Mounds View, MN 55112 |
Full Service B&M
|
$154,656 |
| American National Bank |
3022 Willit Street Omaha, NE 68112 |
Full Service B&M
|
$83,488 |
| American National Bank |
304 West Erie Street Missouri Valley, IA 51555 |
Full Service B&M
|
$60,626 |
| American National Bank |
310 Broadway Tecumseh, NE 68450 |
Full Service B&M
|
$34,785 |
| American National Bank |
3147 Ames Avenue Omaha, NE 68111 |
Full Service B&M
|
$116,811 |
| American National Bank |
333 West Broadway Council Bluffs, IA 51503 |
Full Service B&M
|
$208,100 |
| American National Bank |
363 Main Street Elk Creek, NE 68348 |
Full Service B&M
|
$18,885 |
| American National Bank |
3707 N 144th St Omaha, NE 68116 |
Full Service B&M
|
$202,420 |
| American National Bank |
3801 Vermaas Place Lincoln, NE 68502 |
Full Service B&M
|
$58,166 |
| American National Bank |
4400 W 78th St Ste 100 Bloomington, MN 55435 |
Full Service B&M
|
$90,381 |
| American National Bank |
600 Fifth Street Fairbury, NE 68352 |
Full Service B&M
|
$45,827 |
| American National Bank |
600 South Saddle Creek Rd Omaha, NE 68106 |
Full Service Retail
|
$105,848 |
| American National Bank |
663 University Ave W Saint Paul, MN 55104 |
Full Service B&M
|
$205,574 |
| American National Bank |
707 4th Street Humboldt, NE 68376 |
Full Service B&M
|
$26,858 |
| American National Bank |
7921 Dodge Street Omaha, NE 68114 |
Full Service B&M
|
$62,276 |
| American National Bank |
8004 South 84th Street La Vista, NE 68128 |
Full Service B&M
|
$45,732 |
| American National Bank |
805 Galvin Road South Bellevue, NE 68005 |
Full Service B&M
|
$74,313 |
| American National Bank |
8155 L Street Ralston, NE 68127 |
Full Service B&M
|
$105,774 |
| American National Bank |
8990 West Dodge Road Omaha, NE 68114 |
Limited, Mobile/Seasonal Office
|
$0 |
| American National Bank |
8990 West Dodge Road Omaha, NE 68114 |
Full Service B&M
|
$573,192 |
| American National Bank |
9009 Maple Street Omaha, NE 68134 |
Full Service B&M
|
$63,750 |
| American National Bank |
903 Washington Ave S Minneapolis, MN 55415 |
Full Service B&M
|
$349,955 |
| American National Bank |
920 Central Avenue Nebraska City, NE 68410 |
Full Service B&M
|
$39,939 |
| American National Bank |
12048 Giles Road La Vista, NE 68128 |
Full Service B&M
|
$175,357 |
| American National Bank |
13944 S Plaza Omaha, NE 68137 |
Full Service B&M
|
$84,186 |
| American National Bank |
1413 South Washington Street Papillion, NE 68046 |
Limited, Mobile/Seasonal Office
|
$0 |
| American National Bank |
1413 South Washington Street Papillion, NE 68046 |
Full Service B&M
|
$86,826 |
| American National Bank |
14545 West Center Road Omaha, NE 68144 |
Full Service B&M
|
$125,982 |
| American National Bank |
1600 West Broadway Council Bluffs, IA 51501 |
Full Service B&M
|
$22,426 |
| American National Bank |
1740 Rice St Saint Paul, MN 55113 |
Full Service B&M
|
$76,749 |
| American National Bank |
1818 Harlan Street Falls City, NE 68355 |
Full Service B&M
|
$17,196 |
| American National Bank |
201 Bennett Avenue Council Bluffs, IA 51503 |
Full Service B&M
|
$167,491 |
| American National Bank |
20412 Veterans Drive Elkhorn, NE 68022 |
Full Service B&M
|
$95,758 |
| American National Bank |
20635 Highway 370 Gretna, NE 68028 |
Full Service B&M
|
$57,356 |
For 2021, American National Bank had 39 branches.
Yearly Performance Overview
Bank Income
American National Bank's gross interest income from loans was $173,136,000.
American National Bank's net interest income from loans was $164,403,000.
American National Bank's fee based income from loans was $5,498,000.
American National Bank's net income from loans was $72,461,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$8,733 |
| Provision for credit losses |
$9,500 |
| Total noninterest expense |
$101,592 |
| Salaries and employee benefits |
$62,394 |
| Premises and equipment expense |
$9,316 |
| Additional noninterest expense |
$29,882 |
| Applicable income taxes |
$1,774 |
| Net charge-offs |
$-731 |
| Cash dividends |
$54,305 |
American National Bank's interest expense for loans was $8,733,000.
American National Bank's payroll and benefits expense were $62,394,000.
American National Bank's property, plant and equipment expenses $9,316,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$4,196,192 |
| Deposits held in domestic offices |
$4,196,192 |
| Deposits by Individuals, partnerships, and corporations |
$3,725,037 |
| Deposits by U.S. Government |
$3 |
| Deposits by States and political subdivisions in the U.S. |
$404,939 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$66,213 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$2,165,226 |
| Demand deposits |
$2,165,226 |
| Nontransaction accounts |
$2,030,966 |
| Money market deposit accounts (MMDAs) |
$1,233,166 |
| Other savings deposits (excluding MMDAs) |
$439,274 |
| Total time deposits |
$358,526 |
| Total time and savings deposits |
$2,030,966 |
| Noninterest-bearing deposits |
$1,401,072 |
| Interest-bearing deposits |
$2,795,120 |
| Retail deposits |
$3,910,491 |
| IRAs and Keogh plan accounts |
$55,605 |
| Brokered deposits |
$221,376 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$4,712,916 |
| Cash & Balances due from depository institutions |
$133,418 |
| Interest-bearing balances |
$110,698 |
| Total securities |
$943,402 |
| Federal funds sold & reverse repurchase |
$0 |
| Net loans and leases |
$3,514,463 |
| Loan and leases loss allowance |
$70,266 |
| Trading account assets |
$0 |
| Bank premises and fixed assets |
$38,634 |
| Other real estate owned |
$0 |
| Goodwill and other intangibles |
$29,954 |
| All other assets |
$53,045 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$4,712,916 |
| Total Liabilities |
$4,260,051 |
| Total deposits |
$4,196,192 |
| Interest-bearing deposits |
$2,795,120 |
| Deposits held in domestic offices |
$4,196,192 |
| % insured (estimated) |
$54 |
| Federal funds purchased and repurchase agreements |
$28,677 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$0 |
| Subordinated debt |
$0 |
| All other liabilities |
$35,182 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$3,514,463 |
| Loan and leases loss allowance |
$70,266 |
| Total loans and leases (domestic) |
$3,584,729 |
| All real estate loans |
$1,761,540 |
| Real estate loans in domestic offices |
$1,761,540 |
| Construction and development loans |
$396,921 |
| Residential 1-4 family construction |
$38,223 |
| Other construction, all land development and other land |
$358,698 |
| Loans secured by nonfarm nonresidential properties |
$933,898 |
| Nonfarm nonresidential secured by owner-occupied properties |
$386,159 |
| Commercial real estate & other non-farm, non-residential |
$547,739 |
| Multifamily residential real estate |
$168,711 |
| 1-4 family residential loans |
$230,123 |
| Farmland loans |
$31,887 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$33,425 |
| Commercial and industrial loans |
$918,517 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$858,678 |
| Credit card loans |
$3,462 |
| Related Plans |
$5,932 |
| Consumer Auto Loans |
$789,971 |
| Other loans to individuals |
$59,313 |
| All other loans & leases |
$12,569 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$4,052 |
| 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 |
$7,122 |
| Non 1-4 family restructured loans & leases |
$5,737 |
| Total loans and leases (foreign) |
$0 |
American National Bank had $3,514,463,000 of loans outstanding in 2021. $1,761,540,000 of loans were in real estate loans.
$396,921,000 of loans were in development loans. $168,711,000 of loans were in multifamily mortgage loans.
$230,123,000 of loans were in 1-4 family mortgage loans. $33,425,000 of loans were in farm loans. $3,462,000
of loans were in credit card loans. $789,971,000 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 |
354 |
$91,776 |
$259,254 |
| Nonfarm, nonresidential loans - <$100k |
37 |
$1,059 |
$28,622 |
| Nonfarm, nonresidential loans - $100-250k |
106 |
$11,587 |
$109,311 |
| Nonfarm, nonresidential loans - $250k-1MM |
211 |
$79,130 |
$375,024 |
| Commercial & Industrial, US addressed loans - <$1MM |
3,140 |
$173,861 |
$55,370 |
| Commercial & Industrial, US addressed loans - <$100k |
2,539 |
$73,686 |
$29,022 |
| Commercial & Industrial, US addressed loans - $100-250k |
328 |
$29,090 |
$88,689 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
273 |
$71,085 |
$260,385 |
| Farmland loans - <$1MM |
96 |
$11,315 |
$117,865 |
| Farmland loans - <$100k |
28 |
$915 |
$32,679 |
| Farmland loans - $100-250k |
37 |
$3,227 |
$87,216 |
| Farmland loans - $250k-1MM |
31 |
$7,173 |
$231,387 |
| Agriculture operations loans - <$1MM |
164 |
$10,083 |
$61,482 |
| Agriculture operations loans - <$100k |
88 |
$1,629 |
$18,511 |
| Agriculture operations loans - $100-250k |
50 |
$3,539 |
$70,780 |
| Agriculture operations loans - $250k-1MM |
26 |
$4,915 |
$189,038 |
