American National Bank in Ardmore, Oklahoma (OK), TX
Overview, Financial Summary, Detailed Financial Reports, Branches

American National Bank - Overview

  • General
  • FDIC Certificate #: 24472
    Status: Active
    Federal Reserve ID: 256058
    Bank Holding Company (Regulatory Top Holder): Amcorp Financial, Inc. (RSSDID: 1131853, Location: Ardmore, OK)
    Date Established: May 02, 1983
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: Yes)
    OTS Docket #: 11910
    FDIC's unique #: 17009
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: May 02, 1983
    Last Structure Change Effective Date: April 01, 2010
    Last Structure Change Process Date: April 09, 2010
    Last Data Update: April 09, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1901 North Commerce, Ardmore, OK 73401
    County: Carter
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Ardmore, OK (#11620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $295.7 mil
    Equity capital: $29.6 mil
    Deposits held in domestic offices: $254.5 mil
    Return on assets (ROA): 1.39% ($4.1 mil)
    Quarterly return on assets: 0.99% ($2.9 mil)
    Return on Equity (ROE): 14.07% ($4.2 mil)
    Quarterly return on equity: 9.84% ($3.0 mil)
    Net income: $4.0 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.39% ($4,109.6 mil)
    Quarterly Pretax return on assets: 0.99% ($2,927.0 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
  • 100Total employees (full-time equivalent)
  • $295,657Total assets
  • $10,729Cash and due from depository institutions
  • $1,054Interest-bearing balances
  • $128,532Securities
  • $3,128Federal funds sold & reverse repurchase agreements
  • $140,576Net loans & leases
  • $2,209Loan loss allowance
  • $0Trading account assets
  • $5,801Bank premises and fixed assets
  • $186Other real estate owned
  • $0Goodwill and other intangibles
  • $295,657Life insurance assets
  • $6,705All other assets
  • $266,039Total liabilities and capital
  • $254,465Total liabilities
  • $219,353Total deposits
  • $254,465Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,574Subordinated debt
  • $29,618All other liabilities
  • $29,618Total equity capital
  • $29,618Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $7,795Surplus
  • $20,323Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $971Income earned, not collected on loans
  • $0Earning assets
  • $1,814Long-term assets (5+ years)
  • $273,290Average Assets, year-to-date
  • $96,297Average Assets, quarterly
  • $286,416Volatile liabilities
  • $295,180Insider loans
  • $176,478FHLB advances
  • $294,366Loans and leases held for sale
  • $1,834Unused loan commitments
  • $1,834Tier 1 (core) risk-based capital
  • $26,085Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,717Restructured Loans and leases
  • $3,947Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,013Total interest income
  • $2,638Total interest expense
  • $10,375Net interest income
  • $635Provision for loan and lease losses
  • $2,502Total noninterest income
  • $0Fiduciary activities
  • $1,865Service charges on deposit accounts
  • $0Trading account gains & fees
  • $637Additional noninterest income
  • $8,502Total noninterest expense
  • $4,380Salaries and employee benefits
  • $1,304Premises and equipment expense
  • $2,818Additional noninterest expense
  • $3,740Pre-tax net operating income
  • $250Securities gains (losses)
  • $0Applicable income taxes
  • $3,990Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,990Net income attributable to bank
  • $0Net charge-offs
  • $3,990Cash dividends
  • $598Sale, conversion, retirement of capital stock, net
  • $2,078Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.93%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.39%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 14.07%Return on equity (ROE)
  • 6.74%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 106.19%Credit loss provision to net charge-offs
  • 7.32%Efficiency ratio
  • 66,025Assets per employee
  • 2.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.08%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 227.50%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 55.24%Net loans and leases to core deposits
  • 73.44%Equity capital to assets
  • 10.02%Core capital (leverage) ratio
  • 8.86%Tier 1 risk-based capital ratio
  • 14.78%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $286,416Average earning assets
  • $28,361Average equity
  • $263,901Average loans

List of branches

  • 6 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017009American National Bank1901 North Commerce, Ardmore, OK 73401May 02, 1983Full Service Brick and Mortar
    16319Comanche Branch122 Oak Main Street, Comanche, OK 73529January 01, 1924Full Service Brick and Mortar
    29994Wilson Branch1251 Us Highway 70 A, Wilson, OK 73463May 16, 1940Full Service Brick and Mortar
    3257433Lone Grove Branch6295 West Broadway, Ardmore, OK 73401September 01, 1994Full Service Brick and Mortar
    4257434Homeland Grocery Store Branch205 North Commerce, Ardmore, OK 73401April 02, 1998Full Service Brick and Mortar
    5492707South Commerce Branch1117 South Commerce, Ardmore, OK 73401Febuary 23, 2009Full Service Brick and Mortar
  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    610077Keller Branch975 Keller Parkway, Keller, TX 76248August 02, 1941Full Service Brick and Mortar
    7442515Saginaw Branch825 N. Saginaw Blvd., Saginaw, TX 76179July 17, 2003Full Service Brick and Mortar

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