American National Bank and Trust Company in Danville, Virginia (VA), NC

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American National Bank and Trust Company
GeneralFDIC Certificate #: 6837
Status: Active
Federal Reserve ID: 958727
Bank Holding Company (Regulatory Top Holder): American National Bankshares Inc. (RSSDID: 1076691, Location: Danville, VA)
Date Established: Febuary 09, 1909
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: 29 (Domestic: 29, Interstate: Yes)
OTS Docket #: 11656
FDIC's unique #: 4597
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: January 01, 1934
Last Structure Change Effective Date: July 01, 2011
Last Structure Change Process Date: July 11, 2011
Last Data Update: July 11, 2011
Data Source Date: April 05, 2012
LocationAddress: 628 Main Street, Danville, VA 24541
County: Danville City
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Richmond
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Danville, VA (#1950)
Core Based Statistical Area (CBSA): Danville, VA (#19260)
CBSA Metro Statistical Area: Danville, VA (#19260)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $1,303.6 mil
Equity capital: $176.8 mil
Deposits held in domestic offices: $1,060.7 mil
Return on assets (ROA): 1.33% ($17.3 mil)
Quarterly return on assets: 1.49% ($19.4 mil)
Return on Equity (ROE): 9.61% ($17.0 mil)
Quarterly return on equity: 11.21% ($19.8 mil)
Net income: $13.6 mil
Quarterly Net income: $4.9 mil
Pretax return on assets: 1.85% ($24,117.2 mil)
Quarterly Pretax return on assets: 2.19% ($28,549.6 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)315
Total assets$1,303,635
Cash and due from depository institutions$28,893
Interest-bearing balances$6,332
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$820,559
Loan loss allowance $10,529
Trading account assets$0
Bank premises and fixed assets$26,804
Other real estate owned$5,353
Goodwill and other intangibles$44,640
All other assets$44,020
Life insurance assets$1,303,635
Total liabilities and capital$1,126,824
Total liabilities$1,060,723
Total deposits$881,174
Interest-bearing deposits$1,060,723
Deposits held in domestic offices$77
% insured (estimated)45575.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,206
Other borrowed funds $0
Subordinated debt $7,320
All other liabilities $176,811
Total equity capital$176,811
Total bank equity capital$176,811
Perpetual preferred stock$0
Common stock$3,000
Undivided profits $87,233
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $6,330
Income earned, not collected on loans $13,720
Earning assets $0
Long-term assets (5+ years) $5,091
Average Assets, year-to-date $1,160,257
Average Assets, quarterly $335,684
Volatile liabilities $1,024,568
Insider loans $1,303,936
FHLB advances $899,072
Loans and leases held for sale $1,260,185
Unused loan commitments $13,058
Tier 1 (core) risk-based capital $13,058
Tier 2 risk-based capital $125,341
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $191,957
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $49,187
Total interest expense $7,811
Net interest income $41,376
Provision for loan and lease losses $3,170
Total noninterest income $9,337
Fiduciary activities $3,561
Service charges on deposit accounts $1,963
Trading account gains & fees $0
Additional noninterest income $3,813
Total noninterest expense $28,603
Salaries and employee benefits $15,027
Premises and equipment expense $3,199
Additional noninterest expense $10,377
Pre-tax net operating income $18,940
Securities gains (losses) -$1
Applicable income taxes $5,357
Income before extraordinary items $13,582
Extraordinary gains - net $0
Net income attributable to bank $13,582
Net charge-offs $0
Cash dividends $13,582
Sale, conversion, retirement of capital stock, net $1,061
Net operating income $4,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.34%
Cost of funding earning assets 0.85%
Net interest margin 4.50%
Noninterest income to earning assets 1.01%
Noninterest expense to earning assets 3.11%
Net operating income to assets 1.33%
Return on assets (ROA) 1.33%
Pretax return on assets 1.85%
Return on equity (ROE) 9.61%
Retained earnings to average equity (YTD only) 6.43%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 298.77%
Efficiency ratio20.84%
Assets per employee$53,874
Cash dividends to net income (YTD only)4.14%
Condition Ratios (%)
Loss allowance to loans 33.13%
Loss allowance to noncurrent loans 1.27%
Noncurrent assets plus other real estate owned to assets 76.74%
Noncurrent loans to loans 1.46%
Net loans and leases to deposits1.65%
Net loans and leases to core deposits 77.36%
Equity capital to assets 92.95%
Core capital (leverage) ratio 13.56%
Tier 1 risk-based capital ratio 9.95%
Total risk-based capital ratio 13.94%
Average assets$15
Average earning assets$1,024,568
Average equity $141,344
Average loans $920,274
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$358,738
Number of Accounts1
Personal trust and agency accounts$353,221
Employee benefit-defined contribution accounts$257,953
Employee benefit-defined benefit accounts$1,553
Other retirement accounts$13,412
Corporate trust and agency accounts$10,722
Investment management agency accounts$0
Other fiduciary accounts$40,330
Fiduciary accounts held in foreign offices$29,251
Non-managed Assets$0
Number of Accounts484
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$10,722
Employee benefit-defined benefit accounts$0
Other retirement accounts$5,517
Corporate trust and agency accounts$1,268
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$668
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9 North Carolina Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
13190805Yanceyville Office173 North Main Street, Yanceyville, NC 27379September 24, 1970Full Service Brick and Mortar
2857218Burlington Branch3101 South Church Street, Burlington, NC 27215August 14, 1997Full Service Brick and Mortar
29290653Graham Office Branch842 South Main Street, Graham, NC 27253December 15, 1998Full Service Brick and Mortar
30356687Alamance Regional Health Center Bran1240 Huffman Mill Road, Burlington, NC 27215April 03, 2000Full Service Brick and Mortar
31357708Cum Park Plaza Branch2214 North Church Street, Burlington, NC 27215July 03, 2000Full Service Brick and Mortar
32430064Brookwood Branch1840 Brookwood Avenue, Burlington, NC 27215October 01, 2003Limited Service Administrative
33433607Green Valley Office703 Green Valley Road, Suite 101, Greensboro, NC 27408July 21, 2003Full Service Retail
34447387Guilford College Branch5509 A West Friendly Avenue, Suite 102, Greensboro, NC 27410Febuary 06, 2006Full Service Brick and Mortar
35456600Mebane Branch1107 South 5th Street, Suite 300b, Mebane, NC 27302September 25, 2006Full Service Brick and Mortar
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20 Virginia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04597American National Bank And Trust Com628 Main Street, Danville, VA 24541Febuary 09, 1909Full Service Brick and Mortar
3212330Nor-Dan Office239 Nor-Dan Drive, Danville, VA 24541September 20, 1961Full Service Brick and Mortar
5212332West Main Office2016 West Main Street, Danville, VA 24541October 23, 1972Full Service Brick and Mortar
7212334Airport Office1407 South Boston Road, Danville, VA 24541July 02, 1990Full Service Brick and Mortar
88031Gretna Office109 Main Street, Gretna, VA 24557January 01, 1911Full Service Brick and Mortar
11279052Collinsville Office625 Virginia Avenue, Collinsville, VA 24078January 01, 1907Full Service Brick and Mortar
14212335Courier Service Branch628 Main Street, Danville, VA 24541October 14, 1998Limited Service Messenger
15212336Chatham Office13880 U.S. Highway 29, Chatham, VA 24531January 19, 1999Full Service Brick and Mortar
16212337Martinsville Office900 Liberty Street, Martinsville, VA 24112September 20, 1999Full Service Brick and Mortar
17361097South Boston Office3609 Old Halifax Road, South Boston, VA 24592December 04, 2000Full Service Brick and Mortar
18363300220 South Office3810 Greensboro Road, Ridgeway, VA 24148March 04, 2002Full Service Brick and Mortar
2077242Graves Mill Office1646 Graves Mill Road, Lynchburg, VA 24502October 14, 1999Full Service Brick and Mortar
21363501Lovingston Office150 Front St, Lovingston, VA 22949April 15, 2002Full Service Brick and Mortar
22365356Langhorne Road Office2301 Langhorne Road, Lynchburg, VA 24502March 12, 2001Full Service Brick and Mortar
23430138Timberlake Road Office20479 Timberlake Road, Lynchburg, VA 24502September 03, 2003Full Service Brick and Mortar
25479107Bedford Office207 North Bridge Street, Bedford, VA 24523May 01, 2008Full Service Brick and Mortar
26492937Piedmont Drive Office445 Mount Cross Road, Danville, VA 24540January 26, 2009Full Service Brick and Mortar
27511431Martinsville Messenger Service BrancIn Martinsville City And Henry County Virginia, Martinsville, VA 24112June 22, 2010Limited Service Messenger
36522007Guilford County Messenger Service Br628 Main Street, Danville, VA 24543July 01, 2011Limited Service Messenger
37522008Alamance County Messenger Service Br628 Main Street, Danville, VA 24543July 01, 2011Limited Service Messenger
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