American National Bank Mortgage Rates, Fees & Info

Omaha, NE

LEI: VEQ70DCTAI4TBBHPYI39

Tax ID: 47-0486526

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & 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 by origination volume include: Omaha, Minneapolis, Lincoln, Phoenix, and Des Moines among others. We have data for 49 markets. (Some data included below & more in-depth data is available with an active subscription.)

    American National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. American National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/21/24
    30 Year Conventional Purchase 5.38% 11/21/24
    30 Year Conventional Refi 6.95% 11/21/24
    30 Year Cash-out Refi 7.22% 11/21/24
    30 Year FHA Purchase 7.38% 11/21/24
    30 Year FHA Refi 7.35% 11/21/24
    30 Year VA Purchase 6.44% 11/21/24
    30 Year USDA Purchase 6.04% 11/21/24
    15 Year Conventional Purchase 6.33% 11/21/24
    15 Year Conventional Refi 6.59% 11/21/24
    15 Year Cash-out Refi 6.59% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    American National Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from American National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,958

    Origination Dollar Volume (All Markets)

    $415,920,000

    Employee count

    519 Show all (10) awards

    Top 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
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1,629 $321,605,000 $197,425 $2,422 2.98%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 124 $49,540,000 $399,516 $2,310 3.65%
    Outside of Metro Areas 90 $13,790,000 $153,222 $2,648 3.16%
    LINCOLN, NE (FHA|USDA|VA) 23 $4,395,000 $191,087 $1,728 3.19%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $3,465,000 $385,000 $3,356 2.78%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 10 $2,080,000 $208,000 $1,878 2.69%
    Fremont, NE (FHA|USDA|VA) 10 $2,060,000 $206,000 $2,305 3.02%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 6 $1,930,000 $321,667 $2,933 3.23%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $1,635,000 $545,000 $2,386 2.54%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $1,245,000 $1,245,000 $4,632 3.00%
    ROCHESTER, MN (FHA|USDA|VA) 3 $865,000 $288,333 $0 4.13%
    Brainerd, MN (FHA|USDA|VA) 2 $840,000 $420,000 $2,686 3.00%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $770,000 $385,000 $4,046 2.56%
    Spirit Lake, IA (FHA|USDA|VA) 3 $755,000 $251,667 $2,694 3.46%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $725,000 $725,000 $7,082 2.63%
    IOWA CITY, IA (FHA|USDA|VA) 2 $670,000 $335,000 $1,738 2.50%
    WICHITA, KS (FHA|USDA|VA) 3 $565,000 $188,333 $3,789 2.75%
    Kearney, NE (FHA|USDA|VA) 3 $565,000 $188,333 $2,201 3.00%
    JOPLIN, MO (FHA|USDA|VA) 1 $515,000 $515,000 $4,458 2.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $515,000 $515,000 $4,076 2.49%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $515,000 $515,000 $0 2.75%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $465,000 $465,000 $3,114 2.75%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $455,000 $455,000 $3,551 2.88%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $435,000 $435,000 $2,076 2.99%
    Heber, UT (FHA|USDA|VA) 1 $405,000 $405,000 $2,954 2.99%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $390,000 $195,000 $4,381 2.75%
    GRAND ISLAND, NE (FHA|USDA|VA) 2 $360,000 $180,000 $1,867 3.25%
    TULSA, OK (FHA|USDA|VA) 1 $355,000 $355,000 $3,997 2.50%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $325,000 $325,000 $5,373 2.75%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $315,000 $315,000 $0 4.38%
    Carroll, IA (FHA|USDA|VA) 2 $300,000 $150,000 $2,832 2.69%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $295,000 $295,000 $3,564 2.50%
    North Platte, NE (FHA|USDA|VA) 1 $275,000 $275,000 $2,166 2.63%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $275,000 $275,000 $3,411 2.50%
    Coffeyville, KS (FHA|USDA|VA) 1 $225,000 $225,000 $2,571 2.88%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $205,000 $205,000 $2,185 2.88%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $205,000 $205,000 $3,213 2.75%
    Willmar, MN (FHA|USDA|VA) 1 $195,000 $195,000 $2,540 2.88%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $195,000 $195,000 $3,187 2.99%
    Bemidji, MN (FHA|USDA|VA) 1 $185,000 $185,000 $2,789 2.75%
    COLUMBIA, SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,838 3.38%
    AMES, IA (FHA|USDA|VA) 1 $145,000 $145,000 $2,458 2.88%
    Scottsbluff, NE (FHA|USDA|VA) 1 $135,000 $135,000 $2,640 2.75%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.75%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $125,000 $125,000 $2,104 3.13%
    Hastings, NE (FHA|USDA|VA) 1 $125,000 $125,000 $1,870 3.38%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $75,000 $75,000 $3,366 4.13%
    Madisonville, KY (FHA|USDA|VA) 1 $55,000 $55,000 $2,530 3.13%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $55,000 $55,000 $1,504 3.00%
    American National Bank's top markets include Omaha, Minneapolis, Lincoln, Phoenix, and Des Moines among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against American National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 154
    CREIGHTON FEDERAL CREDIT UNION
    Similarity Rank: 207
    KELLOGG MIDWEST FEDERAL CREDIT UNION
    Similarity Rank: 252
    MUTUAL FIRST
    Similarity Rank: 288
    Peoples Bank Midwest
    Similarity Rank: 608
    LIBERTY FIRST
    Similarity Rank: 780
    Cobalt Credit Union
    Similarity Rank: 855
    METRO CU
    Similarity Rank: 880
    Liberty Bank Minnesota
    Similarity Rank: 882
    Central National Bank
    Similarity Rank: 900

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,579 $337,805,000 $213,936 $1,882 3.05%
    FHA 193 $30,965,000 $160,440 $5,360 3.22%
    VA 182 $46,640,000 $256,264 $3,862 2.70%
    USDA 4 $510,000 $127,500 $2,933 3.06%

    For 2020, American National Bank's most frequently originated type of loan was Conventional, with 1,579 originations. Their 2nd most popular type was FHA, with 193 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 897 $175,075,000 $195,178 $2,965 2.85%
    Refi 718 $178,480,000 $248,579 $2,010 3.02%
    Cash Out Refi 272 $58,160,000 $213,824 $2,289 3.27%
    Home Improvement 44 $2,520,000 $57,273 $539 4.44%
    Other 27 $1,685,000 $62,407 $619 4.79%

    For 2020, American National Bank's most frequently cited loan purpose was Home Purchase, with 897 originations. The 2nd most popular reason was Refi, with 718 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,369 $287,945,000 $210,332 $2,715 2.96%
    15 Year 335 $68,615,000 $204,821 $1,927 2.91%
    20 Year 79 $17,505,000 $221,582 $2,120 3.03%
    Other 64 $21,940,000 $342,813 $1,199 4.09%
    10 Year 53 $10,035,000 $189,340 $479 3.00%
    5 Year 49 $8,205,000 $167,449 $241 4.41%
    1 Year 6 $1,360,000 $226,667 $571 4.54%
    3 Year 3 $315,000 $105,000 $253 4.12%

    For 2020, American National Bank's most frequently cited loan duration was 30 Year, with 1,369 originations. The 2nd most popular length was 15 Year, with 335 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,436 $295,240,000 $205,599
    $1k-2k 343 $67,565,000 $196,983
    $2k-3k 44 $11,820,000 $268,636
    $3k-4k 15 $4,765,000 $317,667
    $5k+ 5 $2,185,000 $437,000
    $4k-5k 3 $865,000 $288,333

    American National Bank's average total fees were $2,715, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,436 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 678 $155,700,000 $229,646
    3-4% 673 $152,675,000 $226,857
    <2.5% 388 $72,690,000 $187,345
    4-5% 170 $30,050,000 $176,765
    5-6% 43 $4,515,000 $105,000
    6-7% 6 $290,000 $48,333

    During 2020, American National Bank's average interest rate for loans was 2.96%, while their most frequently originated rate bucket for loans was 2.5-3%, with 678 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 753 $204,375,000 $271,414 $2,767 2.98%
    $100k-200k 728 $108,260,000 $148,709 $2,640 3.21%
    $100,000 or less 319 $12,945,000 $40,580 $975 2.68%
    $400k-600k 137 $64,405,000 $470,109 $2,850 3.04%
    $1MM+ 11 $19,085,000 $1,735,000 $3,688 3.68%
    $600k-1MM 10 $6,850,000 $685,000 $2,662 4.01%

    2020 saw American National Bank place emphasis on $200k-400k loans with 753 originations, totaling $204,375,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 381 $88,965,000 $233,504 $2,453 3.13%
    $50k-75k 375 $56,325,000 $150,200 $2,467 3.05%
    $50k or less 349 $34,365,000 $98,467 $2,410 2.73%
    $75k-100k 281 $56,015,000 $199,342 $2,593 3.03%
    $150k-250k 230 $65,440,000 $284,522 $2,338 3.08%
    $250k+ 129 $53,225,000 $412,597 $2,576 3.23%

    American National Bank lent most frequently to those with incomes in the $100k-150k range, with 381 originations. The second most popular income band? $50k-75k, with 375 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 453 $99,065,000 $218,687 $2,200 3.04%
    30-36% 342 $68,740,000 $200,994 $2,335 3.11%
    <20% 157 $34,265,000 $218,248 $2,014 3.14%
    44% 78 $12,580,000 $161,282 $2,589 2.88%
    41% 78 $13,740,000 $176,154 $2,373 2.83%
    43% 74 $13,520,000 $182,703 $2,356 3.02%
    40% 70 $13,330,000 $190,429 $2,355 2.86%
    42% 68 $11,830,000 $173,971 $2,885 2.83%
    38% 68 $12,960,000 $190,588 $2,576 2.85%
    37% 65 $13,965,000 $214,846 $2,379 2.97%
    36% 58 $12,570,000 $216,724 $2,547 2.98%
    50-60% 50 $10,140,000 $202,800 $4,872 3.28%
    39% 45 $8,625,000 $191,667 $2,479 2.87%
    49% 44 $8,310,000 $188,864 $3,150 2.90%
    48% 40 $7,070,000 $176,750 $2,843 2.90%
    46% 39 $9,805,000 $251,410 $2,948 2.92%
    47% 38 $8,000,000 $210,526 $2,130 3.17%
    45% 38 $7,990,000 $210,263 $2,912 3.15%
    >60% 3 $555,000 $185,000 $1,526 4.46%

    American National Bank lent most frequently to those with DTI ratios of 20-30%, with 453 originations. The next most common DTI ratio? 30-36%, with 342 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,725 $353,895,000 $205,157 $2,446 2.98%
    Not provided 105 $23,405,000 $222,905 $1,915 3.38%
    Not applicable 51 $22,385,000 $438,922 $0 4.20%
    Asian 33 $9,055,000 $274,394 $2,834 2.99%
    Black 35 $5,675,000 $162,143 $3,154 3.02%
    Native Hawaiian or Islander 4 $680,000 $170,000 $2,524 2.75%
    American Indian 4 $630,000 $157,500 $3,720 3.06%
    Other Asian 1 $195,000 $195,000 $343 5.44%

    Approval Rates

    Total approvals of all applications
    96.61%

    American National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    80.64%

    American National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,958 $415,920,000 $212,421

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 17 $16,025,000 $942,647
    Single Family (1-4 Units):Manufactured 2 $370,000 $185,000
    Single Family (1-4 Units):Site-Built 1,939 $399,525,000 $206,047

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 88 $14,490,000 $164,659 $1,713 3.51%
    40-60% 287 $62,105,000 $216,394 $1,975 3.00%
    60-80% 644 $164,790,000 $255,885 $2,153 3.15%
    80-100% 745 $165,175,000 $221,711 $3,233 3.19%
    Over 100% 19 $5,575,000 $293,421 $10,468 2.93%
    Under 20% 171 $2,725,000 $15,936 $119 1.74%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    AMERICAN FINANCING CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 44.4%
    AMERICAN FINANCING CORPORATION Other type of mortgage Closing on a mortgage 1 11.1%
    AMERICAN FINANCING CORPORATION Conventional home mortgage Closing on a mortgage 2 22.2%
    AMERICAN FINANCING CORPORATION FHA mortgage Closing on a mortgage 2 22.2%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    American National Bank 101 Old Lincoln Highway Crescent, IA 51526 Full Service B&M $48,063
    American National Bank 1100 East Fourth Avenue Shakopee, MN 55379 Full Service B&M $80,021
    American National Bank 1155 Hadley Avenue North Oakdale, MN 55128 Full Service B&M $71,114
    American National Bank 1204 Locust Street Carter Lake, IA 51510 Full Service B&M $13,543
    American National Bank 12048 Giles Road La Vista, NE 68128 Full Service B&M $135,966
    American National Bank 13944 S Plaza Omaha, NE 68137 Full Service B&M $57,084
    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 $77,292
    American National Bank 14545 West Center Road Omaha, NE 68144 Full Service B&M $97,760
    American National Bank 1600 West Broadway Council Bluffs, IA 51501 Full Service B&M $23,442
    American National Bank 1740 North Rice Street Maplewood, MN 55113 Full Service B&M $66,221
    American National Bank 1818 Harlan Street Falls City, NE 68355 Full Service B&M $24,911
    American National Bank 201 Bennett Avenue Council Bluffs, IA 51503 Full Service B&M $158,915
    American National Bank 20412 Veterans Drive Elkhorn, NE 68022 Full Service B&M $75,920
    American National Bank 20635 Highway 370 Gretna, NE 68028 Full Service B&M $52,407
    American National Bank 2650 West Broadway Council Bluffs, IA 51501 Full Service B&M $42,242
    American National Bank 2711 N.E. Highway 10 Mounds View, MN 55112 Full Service B&M $149,905
    American National Bank 3022 Willit Street Omaha, NE 68112 Full Service B&M $76,504
    American National Bank 304 West Erie Street Missouri Valley, IA 51555 Full Service B&M $54,455
    American National Bank 310 Broadway Tecumseh, NE 68450 Full Service B&M $44,893
    American National Bank 3147 Ames Avenue Omaha, NE 68111 Full Service B&M $110,258
    American National Bank 333 West Broadway Council Bluffs, IA 51503 Full Service B&M $148,179
    American National Bank 363 Main Street Elk Creek, NE 68348 Full Service B&M $6,679
    American National Bank 3707 N 144th St Omaha, NE 68116 Full Service B&M $255,126
    American National Bank 3801 Vermaas Place Lincoln, NE 68502 Full Service B&M $52,310
    American National Bank 4400 W 78th St Ste 100 Bloomington, MN 55435 Full Service B&M $91,898
    American National Bank 600 Fifth Street Fairbury, NE 68352 Full Service B&M $52,017
    American National Bank 600 South Saddle Creek Rd Omaha, NE 68106 Full Service Retail $124,975
    American National Bank 663 University Avenue Saint Paul, MN 55104 Full Service B&M $191,881
    American National Bank 707 4th Street Humboldt, NE 68376 Full Service B&M $25,344
    American National Bank 7921 Dodge Street Omaha, NE 68114 Full Service B&M $71,736
    American National Bank 8004 South 84th Street La Vista, NE 68128 Full Service B&M $45,003
    American National Bank 805 Galvin Road South Bellevue, NE 68005 Full Service B&M $75,449
    American National Bank 8155 L Street Ralston, NE 68127 Full Service B&M $100,462
    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 $689,168
    American National Bank 9009 Maple Street Omaha, NE 68134 Full Service B&M $62,476
    American National Bank 903 Washington Avenue South Minneapolis, MN 55415 Full Service B&M $310,566
    American National Bank 920 Central Avenue Nebraska City, NE 68410 Full Service B&M $38,808

    For 2020, American National Bank had 39 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $181,032
    Net interest income $159,409
    Total noninterest income $29,364
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $5,843
    Trading account gains and fees $0
    Additional Noninterest Income $23,521
    Pre-tax net operating income $66,674
    Securities gains (or losses, -) $1,144
    Income before extraordinary items $66,093
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $66,093
    Minority interest net income $0
    Net income $66,093
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $64,983

    American National Bank's gross interest income from loans was $181,032,000.
    American National Bank's net interest income from loans was $159,409,000.
    American National Bank's fee based income from loans was $5,843,000.
    American National Bank's net income from loans was $66,093,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $21,623
    Provision for credit losses $24,600
    Total noninterest expense $97,499
    Salaries and employee benefits $57,555
    Premises and equipment expense $8,995
    Additional noninterest expense $30,949
    Applicable income taxes $1,725
    Net charge-offs $4,705
    Cash dividends $46,396

    American National Bank's interest expense for loans was $21,623,000.
    American National Bank's payroll and benefits expense were $57,555,000.
    American National Bank's property, plant and equipment expenses $8,995,000.

    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 2.0%
    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 $3,985,216
    Deposits held in domestic offices $3,985,216
    Deposits by Individuals, partnerships, and corporations $3,557,791
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $357,617
    Deposits by Commercial banks and other depository institutions in U.S. $69,807
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,116,815
    Demand deposits $2,116,815
    Nontransaction accounts $1,868,401
    Money market deposit accounts (MMDAs) $1,169,359
    Other savings deposits (excluding MMDAs) $322,182
    Total time deposits $376,860
    Total time and savings deposits $1,868,401
    Noninterest-bearing deposits $1,117,166
    Interest-bearing deposits $2,868,050
    Retail deposits $3,441,543
    IRAs and Keogh plan accounts $64,236
    Brokered deposits $475,824
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,565,055
    Cash & Balances due from depository institutions $123,444
    Interest-bearing balances $65,919
    Total securities $900,016
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,406,114
    Loan and leases loss allowance $60,035
    Trading account assets $0
    Bank premises and fixed assets $37,982
    Other real estate owned $1,167
    Goodwill and other intangibles $30,817
    All other assets $65,515

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,565,055
    Total Liabilities $4,122,865
    Total deposits $3,985,216
    Interest-bearing deposits $2,868,050
    Deposits held in domestic offices $3,985,216
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $16,024
    Trading liabilities $0
    Other borrowed funds $87,500
    Subordinated debt $0
    All other liabilities $34,125

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,406,114
    Loan and leases loss allowance $60,035
    Total loans and leases (domestic) $3,466,149
    All real estate loans $1,685,558
    Real estate loans in domestic offices $1,685,558
    Construction and development loans $252,410
    Residential 1-4 family construction $32,086
    Other construction, all land development and other land $220,324
    Loans secured by nonfarm nonresidential properties $906,243
    Nonfarm nonresidential secured by owner-occupied properties $385,806
    Commercial real estate & other non-farm, non-residential $520,437
    Multifamily residential real estate $199,439
    1-4 family residential loans $294,793
    Farmland loans $32,673
    Loans held in foreign offices $0
    Farm loans $34,469
    Commercial and industrial loans $911,464
    To non-U.S. addressees $0
    Loans to individuals $815,546
    Credit card loans $3,938
    Related Plans $8,359
    Consumer Auto Loans $755,874
    Other loans to individuals $47,375
    All other loans & leases $19,112
    Loans to foreign governments and official institutions $0
    Other loans $7,802
    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 $13,056
    Non 1-4 family restructured loans & leases $11,057
    Total loans and leases (foreign) $0

    American National Bank had $3,406,114,000 of loans outstanding in 2020. $1,685,558,000 of loans were in real estate loans. $252,410,000 of loans were in development loans. $199,439,000 of loans were in multifamily mortgage loans. $294,793,000 of loans were in 1-4 family mortgage loans. $34,469,000 of loans were in farm loans. $3,938,000 of loans were in credit card loans. $755,874,000 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 498 $138,220 $277,550
    Nonfarm, nonresidential loans - <$100k 91 $6,234 $68,505
    Nonfarm, nonresidential loans - $100-250k 142 $18,696 $131,662
    Nonfarm, nonresidential loans - $250k-1MM 265 $113,290 $427,509
    Commercial & Industrial, US addressed loans - <$1MM 2,750 $386,079 $140,392
    Commercial & Industrial, US addressed loans - <$100k 1,365 $48,784 $35,739
    Commercial & Industrial, US addressed loans - $100-250k 663 $79,720 $120,241
    Commercial & Industrial, US addressed loans - $250k-1MM 722 $257,575 $356,752
    Farmland loans - <$1MM 142 $18,000 $126,761
    Farmland loans - <$100k 44 $1,538 $34,955
    Farmland loans - $100-250k 58 $6,333 $109,190
    Farmland loans - $250k-1MM 40 $10,129 $253,225
    Agriculture operations loans - <$1MM 295 $21,316 $72,258
    Agriculture operations loans - <$100k 194 $5,322 $27,433
    Agriculture operations loans - $100-250k 67 $7,709 $115,060
    Agriculture operations loans - $250k-1MM 34 $8,285 $243,676