The American National Bank of Beaver Dam in Beaver Dam, Wisconsin (WI)



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The American National Bank of Beaver Dam routing number info

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The American National Bank of Beaver Dam
GeneralFDIC Certificate #: 5283
Status: Active
Federal Reserve ID: 510648
Bank Holding Company (Regulatory Top Holder): American National Bank Of Beaver Dam Employee Stock Ownership Trust (RSSDID: 3009938, Location: Beaver Dam, WI)
Date Established: June 30, 1891
WWW: http://www.anbnet.com
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: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 3551
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
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
LocationAddress: 115 Front Street, Beaver Dam, WI 53916
County: Dodge
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Milwaukee
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Combined Statistical Area (CSA): Fond du Lac-Beaver Dam, WI (#252)
Core Based Statistical Area (CBSA): Beaver Dam, WI (#13180)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $110.5 mil
Equity capital: $11.5 mil
Deposits held in domestic offices: $98.6 mil
Return on assets (ROA): 0.61% ($0.7 mil)
Quarterly return on assets: 1.22% ($1.3 mil)
Return on Equity (ROE): 6.08% ($0.7 mil)
Quarterly return on equity: 11.89% ($1.4 mil)
Net income: $0.7 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.91% ($1,005.3 mil)
Quarterly Pretax return on assets: 1.69% ($1,867.1 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)40
Total assets$110,477
Cash and due from depository institutions$6,144
Interest-bearing balances$4,049
Securities$29,722
Federal funds sold & reverse repurchase agreements$244
Net loans & leases$68,410
Loan loss allowance $943
Trading account assets$0
Bank premises and fixed assets$1,697
Other real estate owned$2,279
Goodwill and other intangibles$0
All other assets$1,981
Life insurance assets$110,477
Total liabilities and capital$98,933
Total liabilities$98,648
Total deposits$84,428
Interest-bearing deposits$98,648
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $285
All other liabilities $11,544
Total equity capital$11,544
Total bank equity capital$11,544
Perpetual preferred stock$0
Common stock$500
Surplus$3,152
Undivided profits $7,892
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 $2,423
Earning assets $0
Long-term assets (5+ years) $347
Average Assets, year-to-date $102,425
Average Assets, quarterly $13,416
Volatile liabilities $110,677
Insider loans $110,735
FHLB advances $72,638
Loans and leases held for sale $111,397
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,009
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,562
Derivatives$1,000
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,698
Total interest expense $678
Net interest income $4,020
Provision for loan and lease losses $294
Total noninterest income $1,079
Fiduciary activities $9
Service charges on deposit accounts $158
Trading account gains & fees $0
Additional noninterest income $912
Total noninterest expense $4,167
Salaries and employee benefits $1,942
Premises and equipment expense $384
Additional noninterest expense $1,841
Pre-tax net operating income $638
Securities gains (losses) $374
Applicable income taxes $340
Income before extraordinary items $672
Extraordinary gains - net $0
Net income attributable to bank $672
Net charge-offs $0
Cash dividends $672
Sale, conversion, retirement of capital stock, net $367
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.61%
Cost of funding earning assets 0.67%
Net interest margin 3.95%
Noninterest income to earning assets 1.06%
Noninterest expense to earning assets 4.09%
Net operating income to assets 0.38%
Return on assets (ROA) 0.61%
Pretax return on assets 0.91%
Return on equity (ROE) 6.08%
Retained earnings to average equity (YTD only) 6.08%
Net charge-offs to loans 0.51%
Credit loss provision to net charge-offs 80.11%
Efficiency ratio2.54%
Assets per employee$81,722
Cash dividends to net income (YTD only)2.76%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.36%
Noncurrent assets plus other real estate owned to assets 38.92%
Noncurrent loans to loans 4.26%
Net loans and leases to deposits3.49%
Net loans and leases to core deposits 69.35%
Equity capital to assets 69.52%
Core capital (leverage) ratio 10.45%
Tier 1 risk-based capital ratio 9.88%
Total risk-based capital ratio 15.16%
Memoranda
Average assets$16
Average earning assets$110,677
Average equity $11,046
Average loans $101,832
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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$3,006
Number of Accounts1
Personal trust and agency accounts$3,006
Employee benefit-defined contribution accounts$990
Employee benefit-defined benefit accounts$1,220
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$796
Number of Accounts6
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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5 Wisconsin Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03551The American National Bank Of Beaver115 Front Street, Beaver Dam, WI 53916June 30, 1891Full Service Brick and Mortar
1207420Northside Branch1519 North Spring Street, Beaver Dam, WI 53916March 06, 1990Full Service Brick and Mortar
26113Helenville BranchHighway 18, Helenville, WI 53137November 01, 1914Full Service Brick and Mortar
4438917The American National Bank Branch120 Frances Lane, Beaver Dam, WI 53916August 25, 2004Full Service Brick and Mortar
7441484Delavan Loan Office Branch121 Park Place, Unit 2d, Delavan, WI 53115October 01, 2004Limited Service Administrative
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