Amarillo National Bank

Amarillo National Bank is headquartered in Amarillo and is the 15^st largest bank in the state of Texas. It is also the 237^th largest bank in the nation. It was established in 1892 and as of September of 2011, it had grown to 643 employees at 16 locations. Amarillo National Bank has a 5-star health rating.

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Data for Q3 2011

Institution Statistics Amarillo National Bank FDIC Certificate # 14531 BankRate Report View Year Established 1892 Employees 643 Primary Regulator OCC Assets and Liabilities Assets $3.05 billion Loans $2.03 billion Deposits $2.46 billion Equity Capital $312.58 million Loan Loss Allowance $31.21 million Unbacked Noncurrent Loans $10.36 million Real Estate Owned $2.36 million Historic Data - September 2010 Assets $2.70 billion Equity Capital $279.28 million Loan Loss Allowance $30.84 million Unbacked Noncurrent Loans $11.73 million Real Estate Owned $743,000 Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 2.27% Return on Equity 21.7% Interest Income $85.60 million

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 September 30, 2011 Amarillo National Bank had $12.72 million in non-current loans and owned real-estate with $343.78 million in equity and loan loss allowances on hand to cover it. This gives Amarillo National Bank a Texas Ratio of 3.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Amarillo National Bank held steady from 4.02% as of September 30, 2010 to 3.70% as of September 30, 2011, resulting in a positive change of 8.05%.This indicates that the balance sheet and financial strength for Amarillo National Bank has held steady in recent periods. Deposit Growth In the past year, Amarillo National Bank has increased its total deposits by $260.41 million, resulting in 11.85% 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 Amarillo National Bank 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. Amarillo National Bank has $3.05 billion in assets with $343.78 million in equity, resulting in a capitalization level of 11.27%, which is above average.

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