ANB Bank in Denver, Colorado (CO), WY



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ANB Bank
GeneralFDIC 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
LocationAddress: 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 ChangesName Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)448
Total assets$1,746,734
Cash and due from depository institutions$89,843
Interest-bearing balances$50,670
Securities$1,107,617
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$426,907
Loan loss allowance $13,264
Trading account assets$0
Bank premises and fixed assets$100,018
Other real estate owned$2,367
Goodwill and other intangibles$0
All other assets$19,982
Life insurance assets$1,746,734
Total liabilities and capital$1,564,032
Total liabilities$1,394,328
Total deposits$1,065,865
Interest-bearing deposits$1,394,328
Deposits held in domestic offices$77
% insured (estimated)128681.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$34,985
Other borrowed funds $0
Subordinated debt $6,038
All other liabilities $182,702
Total equity capital$182,702
Total bank equity capital$182,702
Perpetual preferred stock$0
Common stock$2,484
Surplus$64,464
Undivided profits $115,754
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,018
Earning assets $0
Long-term assets (5+ years) $4,731
Average Assets, year-to-date $1,585,194
Average Assets, quarterly $529,538
Volatile liabilities $1,732,237
Insider loans $1,745,730
FHLB advances $803,074
Loans and leases held for sale $1,710,338
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $163,045
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $71,388
Derivatives$1,657
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $49,626
Total interest expense $6,540
Net interest income $43,086
Provision for loan and lease losses -$3,927
Total noninterest income $13,934
Fiduciary activities $4,444
Service charges on deposit accounts $3,261
Trading account gains & fees $0
Additional noninterest income $6,229
Total noninterest expense $55,177
Salaries and employee benefits $25,540
Premises and equipment expense $9,914
Additional noninterest expense $19,723
Pre-tax net operating income $5,770
Securities gains (losses) $4,494
Applicable income taxes $0
Income before extraordinary items $10,264
Extraordinary gains - net $0
Net income attributable to bank $10,264
Net charge-offs $0
Cash dividends $10,264
Sale, conversion, retirement of capital stock, net $4,581
Net operating income $31,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.17%
Cost of funding earning assets 0.42%
Net interest margin 2.75%
Noninterest income to earning assets 0.89%
Noninterest expense to earning assets 3.53%
Net operating income to assets 0.33%
Return on assets (ROA) 0.59%
Pretax return on assets 0.59%
Return on equity (ROE) 5.54%
Retained earnings to average equity (YTD only) -11.20%
Net charge-offs to loans 0.90%
Credit loss provision to net charge-offs -85.72%
Efficiency ratio0.40%
Assets per employee$96,768
Cash dividends to net income (YTD only)3.90%
Condition Ratios (%)
Loss allowance to loans 302.03%
Loss allowance to noncurrent loans 3.01%
Noncurrent assets plus other real estate owned to assets 264.33%
Noncurrent loans to loans 0.42%
Net loans and leases to deposits1.14%
Net loans and leases to core deposits 30.62%
Equity capital to assets 32.72%
Core capital (leverage) ratio 10.46%
Tier 1 risk-based capital ratio 9.53%
Total risk-based capital ratio 20.30%
Memoranda
Average assets$22
Average earning assets$1,732,237
Average equity $185,206
Average loans $1,564,042
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$784,352
Number of Accounts1
Personal trust and agency accounts$473,655
Employee benefit-defined contribution accounts$206,776
Employee benefit-defined benefit accounts$533
Other retirement accounts$0
Corporate trust and agency accounts$15,924
Investment management agency accounts$0
Other fiduciary accounts$167,846
Fiduciary accounts held in foreign offices$82,444
Non-managed Assets$132
Number of Accounts947
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$15,924
Employee benefit-defined benefit accounts$0
Other retirement accounts$310,697
Corporate trust and agency accounts$37,273
Other fiduciary accounts$34,574
Fiduciary accounts held in foreign offices$56,866
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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
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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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