The Federal Reserve announced enforcement actions Tuesday against Ameri-National Corp. that the central bank said are meant to help maintain financial soundness at the Overland Park, Kan., company.

Under a written agreement, the $857 million-asset bank holding company cannot declare or pay any dividends without prior approval from the Fed.

It also cannot directly or indirectly take dividends or any other form of payment that would represent a reduction in capital from its bank subsidiaries.

It also must submit to Fed officials a written plan to maintain sufficient capital.

The company has two unit banks, the $470 million-asset National Bank of Kansas City in Overland Park and the $112 million-asset Heritage Bank in Phoenix.

Both bank units had significant credit problems as of Dec. 31, but both also were exceedingly well capitalized.

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