Institution Statistics
| American National Bank - Fox Cities | | FDIC Certificate # | 33812 | | BankRate Report | View | | Year Established | 1993 | | Employees | 25 | | Primary Regulator | OCC |
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 Margin | 4.09% | | Return on Assets | 2.19% | | Return on Equity | 19.18% | | Interest Income | $12.83 million |
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Institution Health
Overall Score:
5 out of 5
| Texas Ratio |  | | 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 Trend |  | | 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 Growth |  | | 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. | | Capitalization |  | | 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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