ANB Bank in Denver, Colorado (CO), WY
Overview, Financial Summary, Detailed Financial Reports, Branches


ANB Bank - Overview

  • General
  • FDIC Certificate #: 19220
    Status: Active
    Federal Reserve ID: 828651
    Bank Holding Company (Regulatory Top Holder): Sturm Financial Group, Inc. (RSSDID: 2942702, Location: Denver, CO)
    Date Established: September 01, 1964
    WWW: http://www.anbbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 39 (Domestic: 39, Interstate: Yes)
    OTS Docket #: 11427
    FDIC's unique #: 13038
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: September 01, 1964
    Last Structure Change Effective Date: December 30, 2011
    Last Structure Change Process Date: January 03, 2012
    Last Data Update: January 03, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 3033 East First Avenue, Denver, CO 80206
    County: Denver
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Denver
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Denver, CO (#2080)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Denver-Aurora-Broomfield, CO (#19740)
    CBSA Metro Statistical Area: Denver-Aurora-Broomfield, CO (#19740)
  • History of Changes
  • Name Change
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $1,746.7 mil
    Equity capital: $182.7 mil
    Deposits held in domestic offices: $1,394.3 mil
    Return on assets (ROA): 0.59% ($10.3 mil)
    Quarterly return on assets: 0.69% ($12.1 mil)
    Return on Equity (ROE): 5.54% ($10.1 mil)
    Quarterly return on equity: 6.73% ($12.3 mil)
    Net income: $10.3 mil
    Quarterly Net income: $3.0 mil
    Pretax return on assets: 0.59% ($10,305.7 mil)
    Quarterly Pretax return on assets: 0.69% ($12,052.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 448Total employees (full-time equivalent)
  • $1,746,734Total assets
  • $89,843Cash and due from depository institutions
  • $50,670Interest-bearing balances
  • $1,107,617Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $426,907Net loans & leases
  • $13,264Loan loss allowance
  • $0Trading account assets
  • $100,018Bank premises and fixed assets
  • $2,367Other real estate owned
  • $0Goodwill and other intangibles
  • $1,746,734Life insurance assets
  • $19,982All other assets
  • $1,564,032Total liabilities and capital
  • $1,394,328Total liabilities
  • $1,065,865Total deposits
  • $1,394,328Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 128681.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $34,985Trading liabilities
  • $0Other borrowed funds
  • $6,038Subordinated debt
  • $182,702All other liabilities
  • $182,702Total equity capital
  • $182,702Total bank equity capital
  • $0Perpetual preferred stock
  • $2,484Common stock
  • $64,464Surplus
  • $115,754Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,018Income earned, not collected on loans
  • $0Earning assets
  • $4,731Long-term assets (5+ years)
  • $1,585,194Average Assets, year-to-date
  • $529,538Average Assets, quarterly
  • $1,732,237Volatile liabilities
  • $1,745,730Insider loans
  • $803,074FHLB advances
  • $1,710,338Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $163,045Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $71,388Restructured Loans and leases
  • $1,657Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $49,626Total interest income
  • $6,540Total interest expense
  • $43,086Net interest income
  • -$3,927Provision for loan and lease losses
  • $13,934Total noninterest income
  • $4,444Fiduciary activities
  • $3,261Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,229Additional noninterest income
  • $55,177Total noninterest expense
  • $25,540Salaries and employee benefits
  • $9,914Premises and equipment expense
  • $19,723Additional noninterest expense
  • $5,770Pre-tax net operating income
  • $4,494Securities gains (losses)
  • $0Applicable income taxes
  • $10,264Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,264Net income attributable to bank
  • $0Net charge-offs
  • $10,264Cash dividends
  • $4,581Sale, conversion, retirement of capital stock, net
  • $31,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.17%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 2.75%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 5.54%Return on equity (ROE)
  • -11.20%Retained earnings to average equity (YTD only)
  • 0.90%Net charge-offs to loans
  • -85.72%Credit loss provision to net charge-offs
  • 0.40%Efficiency ratio
  • 96,768Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 302.03%Loss allowance to loans
  • 3.01%Loss allowance to noncurrent loans
  • 264.33%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 1.14%Net loans and leases to deposits
  • 30.62%Net loans and leases to core deposits
  • 32.72%Equity capital to assets
  • 10.46%Core capital (leverage) ratio
  • 9.53%Tier 1 risk-based capital ratio
  • 20.30%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $1,732,237Average earning assets
  • $185,206Average equity
  • $1,564,042Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $784,352Managed Assets
  • 1Number of Accounts
  • $473,655Personal trust and agency accounts
  • $206,776Employee benefit-defined contribution accounts
  • $533Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $15,924Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $167,846Other fiduciary accounts
  • $82,444Fiduciary accounts held in foreign offices
  • $132Non-managed Assets
  • 947Number of Accounts
  • $0Personal trust and agency accounts
  • $15,924Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $310,697Other retirement accounts
  • $37,273Corporate trust and agency accounts
  • $34,574Other fiduciary accounts
  • $56,866Fiduciary accounts held in foreign offices

List of branches

  • 26 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013038Anb Bank3033 East First Avenue, Denver, CO 80206September 01, 1964Full Service Brick and Mortar
    5270796Circle Drive Branch1130 North Circle Drive, Colorado Springs, CO 80932January 01, 1933Full Service Brick and Mortar
    646333Academy Boulevard Branch3485 North Academy Boulevard, Colorado Springs, CO 80907June 29, 1990Full Service Brick and Mortar
    7247653Briargate Branch3755 Briargate Boulevard, Colorado Springs, CO 80920January 01, 1993Full Service Brick and Mortar
    8247654Garden Of The Gods Branch4470 Forrest Hill Road, Colorado Springs, CO 80907June 24, 1994Full Service Brick and Mortar
    10289206North Branch4799 Colorado Boulevard, Denver, CO 80216July 10, 1995Full Service Brick and Mortar
    14289210Meridian Branch Office9949 South Oswego Street, Parker, CO 80134May 24, 1999Full Service Brick and Mortar
    1557181Boulder Branch1360 Walnut Street, Boulder, CO 80302March 13, 1997Full Service Brick and Mortar
    16359016Messenger Service Branch2835 Pearl Street, Boulder, CO 80301December 15, 2000Limited Service Messenger
    1745641Mesa National Bank Branch131 North Sixth Street, Grand Junction, CO 81501Febuary 02, 1990Full Service Brick and Mortar
    1845639Patterson Branch2699 Patterson Road, Grand Junction, CO 81506Febuary 02, 1990Full Service Brick and Mortar
    1945637Glenwood Springs Branch2624 S Grand Ave, Glenwood Springs, CO 81601Febuary 02, 1990Full Service Brick and Mortar
    2045640Rifle Branch429 Railroad Avenue, Rifle, CO 81650Febuary 02, 1990Full Service Brick and Mortar
    23289014Mnb Telluride Branch101 East Colorado Avenue, Unit A, Telluride, CO 81435June 05, 1997Full Service Brick and Mortar
    25289017Coronado_branch569-A 32 Road, Clifton, CO 81520August 10, 1998Full Service Retail
    27289020Aspen Branch325 East Main Street, Aspen, CO 81611November 16, 1998Full Service Brick and Mortar
    28289021Mountain Village Branch119 Lost Creek Lane, Unit 11-A, Mountain Village, CO 81435Febuary 16, 1999Limited Service Facility
    29360329Mnb Carbondale Branch409 Delores Way, Carbondale, CO 81623June 05, 2001Full Service Brick and Mortar
    30362834Mnb Eagle Branch50 Chambers Avenue, Eagle, CO 81631October 22, 2001Full Service Brick and Mortar
    40430180Cascade Branch102 N Cascade Ave, Colorado Springs, CO 80903Febuary 13, 2004Full Service Brick and Mortar
    43438904Avon Branch71 Beaver Creek Place, Avon, CO 81620Febuary 22, 2005Full Service Brick and Mortar
    4446614424 Road Branch2399 F Road, Grand Junction, CO 81505August 01, 2006Full Service Brick and Mortar
    45476029Market At Pine Creek4194 Royal Pine Drive, Colorado Springs, CO 80920March 25, 2008Full Service Brick and Mortar
    49492417Southglenn Branch2241 East Arapahoe Road, Centennial, CO 80122June 29, 2009Full Service Brick and Mortar
    50493399Downtown Denver Branch600 16th Street, Denver, CO 80202March 09, 2009Full Service Brick and Mortar
    51505439Lincoln Meadows Senior Living Center10001 South Oswego, Parker, CO 80134September 10, 2009Full Service Brick and Mortar
  • 9 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    321467The American National Bank Branch1912 Capitol Avenue, Cheyenne, WY 82003December 04, 1919Full Service Brick and Mortar
    34192044Casper Branch400 E 1st Street, Casper, WY 82601July 15, 1999Full Service Brick and Mortar
    35361380Pershing In-Store Branch3355 E Pershing Blvd, Cheyenne, WY 82001December 01, 2000Full Service Retail
    3716313The Bank Of Laramie, National Association/Branch3908 Grand Avenue, Laramie, WY 82070December 15, 1980Full Service Brick and Mortar
    385557Stockgrowers State Bank, National Association/Branch700 Big Horn Avenue, Worland, WY 82401May 02, 1910Full Service Brick and Mortar
    395549Wyoming Bank And Trust Company/Branc99 South Main Street, Buffalo, WY 82834March 31, 1906Full Service Brick and Mortar
    41437803Gillette Branch800 East 7th Street, Gillette, WY 82716December 06, 2004Full Service Brick and Mortar
    42438819Merchant Center Branch300 South 2nd Street, Laramie, WY 82070Febuary 07, 2005Limited Service Retail
    47476638Yellowstone Branch6020 Yellowstone Road, Cheyenne, WY 82009April 22, 2008Full Service Brick and Mortar

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