American National Bank in Holstein, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 2010

  • American National Bank in Holstein, Iowa (IA)
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American National Bank - Overview

  • General
  • FDIC Certificate #: 33993
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: United Bank of Iowa (#958)
    Federal Reserve ID: 2285708
    Date Established: March 10, 1995
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    OTS Docket #: 13582
    FDIC's unique #: 55571
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: March 10, 1995
    Last Structure Change Effective Date: October 01, 2010
    Last Structure Change Process Date: October 14, 2010
    Last Data Update: October 14, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 116 North Kiel Street, Holstein, IA 51025
    County: Ida
    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
  • Financial Summary
  • Total assets: $224.7 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, 2009)

  • Dollar figures in thousands
  • 48Total employees (full-time equivalent)
  • $261,164Total assets
  • $20,402Cash and due from depository institutions
  • $18,083Interest-bearing balances
  • $705Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $224,505Net loans & leases
  • $4,368Loan loss allowance
  • $0Trading account assets
  • $3,590Bank premises and fixed assets
  • $308Other real estate owned
  • $483Goodwill and other intangibles
  • $0Life insurance assets
  • $11,171All other assets
  • $261,164Total liabilities and capital
  • $237,053Total liabilities
  • $195,189Total deposits
  • $178,018Interest-bearing deposits
  • $195,189Deposits held in domestic offices
  • 93.26%% insured (estimated)
  • $265Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $40,200Other borrowed funds
  • $0Subordinated debt
  • $1,399All other liabilities
  • $24,111Total equity capital
  • $24,111Total bank equity capital
  • $24,111Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $8,616Undivided profits
  • Memoranda
  • $15,395Noncurrent loans and leases
  • $30,737Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $9,572Earning assets
  • $10Long-term assets (5+ years)
  • $4,937Average Assets, year-to-date
  • $243,293Average Assets, quarterly
  • $42,182Volatile liabilities
  • $281,504Insider loans
  • $267,958FHLB advances
  • $48,803Loans and leases held for sale
  • $835Unused loan commitments
  • $40,200Tier 1 (core) risk-based capital
  • $698Tier 2 risk-based capital
  • $581Total risk weighted assets
  • $30,737Total unused commitments
  • $0Restructured Loans and leases
  • $2,714Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $16,170Total interest income
  • $6,195Total interest expense
  • $9,975Net interest income
  • $5,000Provision for loan and lease losses
  • $1,560Total noninterest income
  • $0Fiduciary activities
  • $542Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,018Additional noninterest income
  • $5,108Total noninterest expense
  • $2,519Salaries and employee benefits
  • $469Premises and equipment expense
  • $2,120Additional noninterest expense
  • $1,427Pre-tax net operating income
  • $0Securities gains (losses)
  • $496Applicable income taxes
  • $931Income before extraordinary items
  • $0Extraordinary gains - net
  • $931Net income attributable to bank
  • $0Net charge-offs
  • $931Cash dividends
  • $4,801Sale, conversion, retirement of capital stock, net
  • $507Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.11%Yield on earning assets
  • 2.34%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 1.93%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.33%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 3.93%Return on equity (ROE)
  • 1.79%Retained earnings to average equity (YTD only)
  • 1.95%Net charge-offs to loans
  • 104.14%Credit loss provision to net charge-offs
  • 1.34%Efficiency ratio
  • 44,031Assets per employee
  • 5.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.46%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 45.63%Noncurrent assets plus other real estate owned to assets
  • 3.78%Noncurrent loans to loans
  • 4.18%Net loans and leases to deposits
  • 115.02%Net loans and leases to core deposits
  • 153.09%Equity capital to assets
  • 9.23%Core capital (leverage) ratio
  • 8.88%Tier 1 risk-based capital ratio
  • 10.35%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $281,504Average earning assets
  • $23,687Average equity
  • $264,861Average loans

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