The American National Bank of Beaver Dam in Beaver Dam, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 40Total employees (full-time equivalent)
  • $110,477Total assets
  • $6,144Cash and due from depository institutions
  • $4,049Interest-bearing balances
  • $29,722Securities
  • $244Federal funds sold & reverse repurchase agreements
  • $68,410Net loans & leases
  • $943Loan loss allowance
  • $0Trading account assets
  • $1,697Bank premises and fixed assets
  • $2,279Other real estate owned
  • $0Goodwill and other intangibles
  • $110,477Life insurance assets
  • $1,981All other assets
  • $98,933Total liabilities and capital
  • $98,648Total liabilities
  • $84,428Total deposits
  • $98,648Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $285Subordinated debt
  • $11,544All other liabilities
  • $11,544Total equity capital
  • $11,544Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $3,152Surplus
  • $7,892Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,423Income earned, not collected on loans
  • $0Earning assets
  • $347Long-term assets (5+ years)
  • $102,425Average Assets, year-to-date
  • $13,416Average Assets, quarterly
  • $110,677Volatile liabilities
  • $110,735Insider loans
  • $72,638FHLB advances
  • $111,397Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,009Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,562Restructured Loans and leases
  • $1,000Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,698Total interest income
  • $678Total interest expense
  • $4,020Net interest income
  • $294Provision for loan and lease losses
  • $1,079Total noninterest income
  • $9Fiduciary activities
  • $158Service charges on deposit accounts
  • $0Trading account gains & fees
  • $912Additional noninterest income
  • $4,167Total noninterest expense
  • $1,942Salaries and employee benefits
  • $384Premises and equipment expense
  • $1,841Additional noninterest expense
  • $638Pre-tax net operating income
  • $374Securities gains (losses)
  • $340Applicable income taxes
  • $672Income before extraordinary items
  • $0Extraordinary gains - net
  • $672Net income attributable to bank
  • $0Net charge-offs
  • $672Cash dividends
  • $367Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 3.95%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 4.09%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 6.08%Return on equity (ROE)
  • 6.08%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 80.11%Credit loss provision to net charge-offs
  • 2.54%Efficiency ratio
  • 81,722Assets per employee
  • 2.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 38.92%Noncurrent assets plus other real estate owned to assets
  • 4.26%Noncurrent loans to loans
  • 3.49%Net loans and leases to deposits
  • 69.35%Net loans and leases to core deposits
  • 69.52%Equity capital to assets
  • 10.45%Core capital (leverage) ratio
  • 9.88%Tier 1 risk-based capital ratio
  • 15.16%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $110,677Average earning assets
  • $11,046Average equity
  • $101,832Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,006Managed Assets
  • 1Number of Accounts
  • $3,006Personal trust and agency accounts
  • $990Employee benefit-defined contribution accounts
  • $1,220Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $796Non-managed Assets
  • 6Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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