American National Bank in Oakland Park, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

American National Bank - Overview

  • General
  • FDIC Certificate #: 26398
    Status: Active
    Federal Reserve ID: 481430
    Bank Holding Company (Regulatory Top Holder): Anb Holdings, Inc. (RSSDID: 2939337, Location: Oakland Park, FL)
    Date Established: October 15, 1985
    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: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13943
    FDIC's unique #: 33006
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 15, 1985
    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: 4301 North Federal Highway, Oakland Park, FL 33308
    County: Broward
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: South Florida
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Fort Lauderdale, FL (#2680)
    Consolidated Metropolitan Statistical Area (CMSA): Miami-Fort Lauderdale, FL (#56)
    Core Based Statistical Area (CBSA): Miami-Fort Lauderdale-Pompano Beach, FL (#33100)
    CBSA Metro Statistical Area: Miami-Fort Lauderdale-Pompano Beach, FL (#33100)
    Core Based Statistical Division: Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (#22744)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $213.8 mil
    Equity capital: $28.4 mil
    Deposits held in domestic offices: $182.6 mil
    Return on assets (ROA): 0.84% ($1.8 mil)
    Quarterly return on assets: 0.55% ($1.2 mil)
    Return on Equity (ROE): 6.74% ($1.9 mil)
    Quarterly return on equity: 4.18% ($1.2 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.29% ($2,758.6 mil)
    Quarterly Pretax return on assets: 1.04% ($2,224.0 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
  • 36Total employees (full-time equivalent)
  • $213,842Total assets
  • $68,893Cash and due from depository institutions
  • $18,542Interest-bearing balances
  • $9,481Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $127,864Net loans & leases
  • $1,650Loan loss allowance
  • $0Trading account assets
  • $196Bank premises and fixed assets
  • $453Other real estate owned
  • $0Goodwill and other intangibles
  • $213,842Life insurance assets
  • $6,955All other assets
  • $185,398Total liabilities and capital
  • $182,645Total liabilities
  • $137,866Total deposits
  • $182,645Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 946.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,807Subordinated debt
  • $28,444All other liabilities
  • $28,444Total equity capital
  • $28,444Total bank equity capital
  • $0Perpetual preferred stock
  • $1,257Common stock
  • $8,202Surplus
  • $18,985Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,787Income earned, not collected on loans
  • $0Earning assets
  • $367Long-term assets (5+ years)
  • $155,887Average Assets, year-to-date
  • $35,409Average Assets, quarterly
  • $219,331Volatile liabilities
  • $213,861Insider loans
  • $149,268FHLB advances
  • $213,600Loans and leases held for sale
  • $4,479Unused loan commitments
  • $4,479Tier 1 (core) risk-based capital
  • $28,386Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,354Restructured Loans and leases
  • $7Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,356Total interest income
  • $1,177Total interest expense
  • $7,179Net interest income
  • $795Provision for loan and lease losses
  • $416Total noninterest income
  • $0Fiduciary activities
  • $287Service charges on deposit accounts
  • $0Trading account gains & fees
  • $129Additional noninterest income
  • $5,164Total noninterest expense
  • $2,872Salaries and employee benefits
  • $455Premises and equipment expense
  • $1,837Additional noninterest expense
  • $1,636Pre-tax net operating income
  • $1,204Securities gains (losses)
  • $1,003Applicable income taxes
  • $1,837Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,837Net income attributable to bank
  • $0Net charge-offs
  • $1,837Cash dividends
  • $1,085Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.09%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.37%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 6.74%Return on equity (ROE)
  • 6.74%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • 73.27%Credit loss provision to net charge-offs
  • 2.24%Efficiency ratio
  • 67,992Assets per employee
  • 5.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 18.78%Noncurrent assets plus other real estate owned to assets
  • 4.32%Noncurrent loans to loans
  • 6.78%Net loans and leases to deposits
  • 70.01%Net loans and leases to core deposits
  • 76.22%Equity capital to assets
  • 13.30%Core capital (leverage) ratio
  • 13.29%Tier 1 risk-based capital ratio
  • 19.02%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $219,331Average earning assets
  • $27,240Average equity
  • $164,171Average loans

List of branches

  • 1 Florida Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    033006American National Bank4301 North Federal Highway, Oakland Park, FL 33308October 15, 1985Full Service Brick and Mortar

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