American National Bank in Ardmore, Oklahoma (OK), TX



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American National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)100
Total assets$295,657
Cash and due from depository institutions$10,729
Interest-bearing balances$1,054
Securities$128,532
Federal funds sold & reverse repurchase agreements$3,128
Net loans & leases$140,576
Loan loss allowance $2,209
Trading account assets$0
Bank premises and fixed assets$5,801
Other real estate owned$186
Goodwill and other intangibles$0
All other assets$6,705
Life insurance assets$295,657
Total liabilities and capital$266,039
Total liabilities$254,465
Total deposits$219,353
Interest-bearing deposits$254,465
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,000
Other borrowed funds $0
Subordinated debt $1,574
All other liabilities $29,618
Total equity capital$29,618
Total bank equity capital$29,618
Perpetual preferred stock$0
Common stock$1,500
Surplus$7,795
Undivided profits $20,323
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 $971
Earning assets $0
Long-term assets (5+ years) $1,814
Average Assets, year-to-date $273,290
Average Assets, quarterly $96,297
Volatile liabilities $286,416
Insider loans $295,180
FHLB advances $176,478
Loans and leases held for sale $294,366
Unused loan commitments $1,834
Tier 1 (core) risk-based capital $1,834
Tier 2 risk-based capital $26,085
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,717
Derivatives$3,947
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,013
Total interest expense $2,638
Net interest income $10,375
Provision for loan and lease losses $635
Total noninterest income $2,502
Fiduciary activities $0
Service charges on deposit accounts $1,865
Trading account gains & fees $0
Additional noninterest income $637
Total noninterest expense $8,502
Salaries and employee benefits $4,380
Premises and equipment expense $1,304
Additional noninterest expense $2,818
Pre-tax net operating income $3,740
Securities gains (losses) $250
Applicable income taxes $0
Income before extraordinary items $3,990
Extraordinary gains - net $0
Net income attributable to bank $3,990
Net charge-offs $0
Cash dividends $3,990
Sale, conversion, retirement of capital stock, net $598
Net operating income $2,078
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.93%
Cost of funding earning assets 1.00%
Net interest margin 3.93%
Noninterest income to earning assets 0.95%
Noninterest expense to earning assets 3.22%
Net operating income to assets 1.31%
Return on assets (ROA) 1.39%
Pretax return on assets 1.39%
Return on equity (ROE) 14.07%
Retained earnings to average equity (YTD only) 6.74%
Net charge-offs to loans 0.43%
Credit loss provision to net charge-offs 106.19%
Efficiency ratio7.32%
Assets per employee$66,025
Cash dividends to net income (YTD only)2.96%
Condition Ratios (%)
Loss allowance to loans 52.08%
Loss allowance to noncurrent loans 1.55%
Noncurrent assets plus other real estate owned to assets 227.50%
Noncurrent loans to loans 0.39%
Net loans and leases to deposits0.68%
Net loans and leases to core deposits 55.24%
Equity capital to assets 73.44%
Core capital (leverage) ratio 10.02%
Tier 1 risk-based capital ratio 8.86%
Total risk-based capital ratio 14.78%
Memoranda
Average assets$16
Average earning assets$286,416
Average equity $28,361
Average loans $263,901
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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
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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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