American Bank, National Association in city_name, state_name

American Bank, National Association in Le Mars, Iowa (IA)
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American Bank, National Association routing number info

American Bank, National Association - Overview

General
FDIC Certificate #: 5800
Status: Active
Federal Reserve ID: 345345
Bank Holding Company (Regulatory Top Holder): Ambank Company, Inc. (RSSDID: 1201457, Location: Sioux Center, IA)
Date Established: January 01, 1887
WWW: http://www.am-bank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 3961
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 234 Fifth Avenue S.W., Le Mars, IA 51031
County: Plymouth
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Sioux City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $242.7 mil
Equity capital: $24.6 mil
Deposits held in domestic offices: $203.4 mil
Return on assets (ROA): 1.99% ($4.8 mil)
Quarterly return on assets: 2.16% ($5.2 mil)
Return on Equity (ROE): 18.52% ($4.6 mil)
Quarterly return on equity: 20.51% ($5.1 mil)
Net income: $4.6 mil
Quarterly Net income: $1.3 mil
Pretax return on assets: 2.08% ($5,047.8 mil)
Quarterly Pretax return on assets: 2.26% ($5,484.7 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
39Total employees (full-time equivalent)
$242,684Total assets
$21,310Cash and due from depository institutions
$19,809Interest-bearing balances
$15,576Securities
$1,900Federal funds sold & reverse repurchase agreements
$194,858Net loans & leases
$3,025Loan loss allowance
$0Trading account assets
$3,001Bank premises and fixed assets
$440Other real estate owned
$1,336Goodwill and other intangibles
$242,684Life insurance assets
$4,263All other assets
$218,112Total liabilities and capital
$203,388Total liabilities
$183,917Total deposits
$203,388Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$13,965Trading liabilities
$0Other borrowed funds
$759Subordinated debt
$24,572All other liabilities
$24,572Total equity capital
$24,572Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$4,663Surplus
$19,609Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,733Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,190Income earned, not collected on loans
$0Earning assets
$2,432Long-term assets (5+ years)
$232,143Average Assets, year-to-date
$43,696Average Assets, quarterly
$231,348Volatile liabilities
$237,146Insider loans
$201,309FHLB advances
$234,270Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$23,369Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$53,871Restructured Loans and leases
$1,863Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,387Total interest income
$3,347Total interest expense
$8,040Net interest income
$0Provision for loan and lease losses
$1,316Total noninterest income
$1Fiduciary activities
$305Service charges on deposit accounts
$0Trading account gains & fees
$1,010Additional noninterest income
$4,542Total noninterest expense
$2,406Salaries and employee benefits
$622Premises and equipment expense
$1,514Additional noninterest expense
$4,814Pre-tax net operating income
$0Securities gains (losses)
$220Applicable income taxes
$4,594Income before extraordinary items
$0Extraordinary gains - net
$4,594Net income attributable to bank
$0Net charge-offs
$4,594Cash dividends
$534Sale, conversion, retirement of capital stock, net
$4,150Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.16%Yield on earning assets
1.52%Cost of funding earning assets
3.65%Net interest margin
0.60%Noninterest income to earning assets
2.06%Noninterest expense to earning assets
1.99%Net operating income to assets
1.99%Return on assets (ROA)
2.08%Pretax return on assets
18.52%Return on equity (ROE)
1.79%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
9.01%Efficiency ratio
48,546Assets per employee
6.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.34%Loss allowance to loans
1.53%Loss allowance to noncurrent loans
254.20%Noncurrent assets plus other real estate owned to assets
0.67%Noncurrent loans to loans
0.60%Net loans and leases to deposits
95.81%Net loans and leases to core deposits
99.14%Equity capital to assets
10.13%Core capital (leverage) ratio
9.98%Tier 1 risk-based capital ratio
11.61%Total risk-based capital ratio
Memoranda
$13Average assets
$231,348Average earning assets
$24,809Average equity
$220,500Average 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
$207Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
100Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$207Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	3961	American Bank, National Association	234 Fifth Avenue S.W., Le Mars, IA 51031	January 01, 1887	Full Service Brick and Mortar
1	208194	Remsen Branch	400 West Highway 3, Remsen, IA 51050	December 09, 1995	Full Service Brick and Mortar

American Bank, National Association in Le Mars, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

American Bank, National Association in Le Mars, Iowa (IA)Overview, Financial Summary, Detailed Financial Reports, Branches

American Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

American Bank, National Association in Le Mars, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches