American National Bank - Fox Cities

American National Bank - Fox Cities Locations
2200 North Richmond Street
Appleton, WI 54911
www.americannationalbank.org



American National Bank - Fox Cities is headquartered in Appleton and is the 81st largest bank in the state of Wisconsin. It is also the 2,487th largest bank in the nation. It was established in 1993 and as of December of 2011, it had grown to 25 employees at 1 location. American National Bank - Fox Cities has a 5-star health rating.



See Rates for: Checking | Savings | Money Market | CD

American National Bank - Fox Cities Checking Account Rates

ApyMinMaxProduct
0.40%$25k-Money Market Checking
0.30%$10k-Interest Partner Checking
0.30%$10k-Interest VIP Checking

American National Bank - Fox Cities Savings Account Rates

ApyMinMaxProduct
0.50%$10k-HSA Checking
0.50%$25k-Savings
0.50%$10k-IRA Open Deposit
0.25%--Christmas Club

American National Bank - Fox Cities Money Market Rates

ApyMinMaxProduct
0.75%$500k-Money Market Savings

American National Bank - Fox Cities CD Rates

ApyMinMaxProduct
1.60%$500-60 Month CD
1.30%$500-48 Month CD
1.15%$500-36 Month CD
1.10%$500-30 Month CD
1.00%$5k-20 or 23 Month CD
1.00%$500-24 Month CD
0.75%$5k-13 or 15 Month CD
0.75%$500-18 Month CD
0.60%$500-12 Month CD
0.50%$500-6 Month CD

Rates updated: 5/22/2012

Data for Q4 2011


Institution Statistics


American National Bank - Fox Cities
FDIC Certificate #33812
BankRate ReportView
Year Established1993
Employees25
Primary RegulatorOCC

Assets and Liabilities

Assets$258.11 million
Loans$199.18 million
Deposits$221.59 million
Equity Capital$29.60 million
Loan Loss Allowance$4.67 million
Unbacked Noncurrent Loans$2.19 million
Real Estate Owned$1.62 million

Historic Data - December 2010

Assets$239.81 million
Equity Capital$28.47 million
Loan Loss Allowance$4.11 million
Unbacked Noncurrent Loans$1.64 million
Real Estate Owned$1.75 million

Profit Margin - Quarterly

Net Interest Margin4.09%
Return on Assets2.19%
Return on Equity19.18%
Interest Income$12.83 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American National Bank - Fox Cities had $3.82 million in non-current loans and owned real-estate with $34.27 million in equity and loan loss allowances on hand to cover it. This gives American National Bank - Fox Cities a Texas Ratio of 11.14% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for American National Bank - Fox Cities held steady from 10.74% as of December 31, 2010 to 11.14% as of December 31, 2011, resulting in a negative change of 3.71%. This indicates that the balance sheet and financial strength for American National Bank - Fox Cities has held steady in recent periods.
Deposit Growth5
In the past year, American National Bank - Fox Cities has increased its total deposits by $18.82 million, resulting in 9.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American National Bank - Fox Cities has shown is excellent.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American National Bank - Fox Cities has $258.11 million in assets with $34.27 million in equity, resulting in a capitalization level of 13.28%, which is excellent.
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