Amegy Bank

1801 Main Street
Houston, TX 77002
800-287-0301
www.amegybank.com

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Amegy Bank is headquartered in Houston and is the 5^th largest bank in the state of Texas. It is also the 95^th largest bank in the nation. It was established in 1982 and as of March of 2012, it had grown to 1,667 employees at 97 locations. Amegy Bank has a 5-star health rating.

Review of the Largest Banks Offering Reward Checking Accounts - 2/27/2010

While writing the post for yesterday's bank failures , I noticed Umpqua Bank which took over the failed bank Rainier Pacific Bank has a reward checking account. The reason why I found this interestin ...

2.00% Reward Checking Account at Amegy Bank in Texas - Available Nationwide - 9/27/2009

Update 11/22/09: The top rate has fallen to 2.00% APY.Amegy Bank is offering a reward checking account called Smart Yield Checking. It has the following rates and features if certain monthly requirements are met:2.00% APY on balances up to $25,0000.50%...

3.65% Internet Savings Account at Amegy Bank - 4/24/2008

Update 11/28/09: Rates have fallen. Rates now vary by tier: 0.55% APY to 0.75% APY.Update 11/07/09: Rates have fallen. Rates now vary by tier: 0.90% APY to 1.10% APY.Amegy Bank continues to have competitive rates on its Internet Money Market Account. The...

5.20% Online Savings Account at Amegy Bank - 10/14/2007

Amegy Bank has started a new online savings account called the Personal Internet Money Market Account. It currently pays 5.20% APY on balances from $1k to $100k. Balances over $100k earn 5.30% APY.The two main downsides to this account are the $1k...

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

Amegy Bank Checking Account Rates

Apy	Min	Max	Product
0.50%	-	$25k	Smart Yield Checking
0.25%	$100k	-	Amegy Platinum Checking
0.20%	-	-	Iolta Checking
0.15%	$5k	-	Mylife Checking
0.05%	-	-	Free Checking With Interest
0.05%	-	-	Interest Checking
0.05%	-	-	Business Interest Checking

Amegy Bank Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	Young Savers
0.20%	$100k	-	Internet Savings
0.15%	-	-	Personal Savings
0.15%	-	-	Business Savings

Amegy Bank Money Market Rates

Apy	Min	Max	Product
0.25%	$250k	-	Relationship Money Market
0.20%	$100k	-	Personal Money Market
0.20%	$250k	-	Personal Money Market Plus
0.20%	$500k	-	Business Money Market
0.20%	$100k	-	Personal Internet Money Market

Amegy Bank CD Rates

Apy	Min	Max	Product
1.00%	$1k	-	5 Year Jumbo Personal CD
1.00%	$1k	-	5 Year Personal CD
1.00%	$1k	-	5 Year Business CD
1.00%	$1k	-	5 Year Jumbo Business CD
0.50%	$1k	-	30 Month Jumbo Personal CD
0.50%	$1k	-	30 Month Personal CD
0.50%	$1k	-	30 Month Business CD
0.50%	$1k	-	30 Month Jumbo Business CD
0.40%	$1k	-	3 Year Jumbo Personal CD
0.40%	$1k	-	3 Year Personal CD
0.40%	$1k	-	3 Year Business CD
0.40%	$1k	-	3 Year Jumbo Business CD
0.20%	$1k	-	2 Year Jumbo Personal CD
0.20%	$1k	-	2 Year Personal CD
0.20%	$1k	-	2 Year Business CD
0.20%	$1k	-	2 Year Jumbo Business CD
0.10%	$100k	-	180 Day Jumbo Personal Internet CD
0.10%	$100k	-	1 Year Jumbo Personal Internet CD
0.10%	$1k	-	180 Day Jumbo Personal CD
0.10%	$1k	-	330 Day Jumbo Personal CD
0.10%	$1k	-	1 Year Jumbo Personal CD
0.10%	$1k	-	18 Month Jumbo Personal CD
0.10%	$1k	-	180 Day Personal CD
0.10%	$1k	-	330 Day Personal CD
0.10%	$1k	-	1 Year Personal CD
0.10%	$1k	-	18 Month Personal CD
0.10%	$10k	-	180 Day Personal Internet CD
0.10%	$10k	-	1 Year Personal Internet CD
0.10%	$1k	-	180 Day Business CD
0.10%	$1k	-	330 Day Business CD
0.10%	$1k	-	1 Year Business CD
0.10%	$1k	-	18 Month Business CD
0.10%	$1k	-	1 Year Jumbo Business CD
0.10%	$1k	-	18 Month Jumbo Business CD
0.10%	$1k	-	180 Day Jumbo Business CD
0.10%	$1k	-	330 Day Jumbo Business CD
0.05%	$100k	-	90 Day Jumbo Personal Internet CD
0.05%	$1k	-	30 Day Jumbo Personal CD
0.05%	$1k	-	60 Day Jumbo Personal CD
0.05%	$1k	-	90 Day Jumbo Personal CD
0.05%	$1k	-	30 Day Personal CD
0.05%	$1k	-	60 Day Personal CD
0.05%	$1k	-	90 Day Personal CD
0.05%	$10k	-	90 Day Personal Internet CD
0.05%	$1k	-	30 Day Business CD
0.05%	$1k	-	60 Day Business CD
0.05%	$1k	-	90 Day Business CD
0.05%	$1k	-	30 Day Jumbo Business CD
0.05%	$1k	-	60 Day Jumbo Business CD
0.05%	$1k	-	90 Day Jumbo Business CD

Amegy Bank IRA Rates

Apy	Min	Max	Product
1.00%	$250	-	5 Year IRA
1.00%	$250	-	5 Year Jumbo IRA
1.00%	$250	-	5 Year Roth IRA
1.00%	$250	-	5 Year Jumbo Roth IRA
0.50%	$250	-	30 Month IRA
0.50%	$250	-	30 Month Jumbo IRA
0.50%	$250	-	30 Month Roth IRA
0.50%	$250	-	30 Month Jumbo Roth IRA
0.40%	$250	-	3 Year IRA
0.40%	$250	-	3 Year Jumbo IRA
0.40%	$250	-	3 Year Roth IRA
0.40%	$250	-	3 Year Jumbo Roth IRA
0.20%	$250	-	2 Year IRA
0.20%	$250	-	2 Year Jumbo IRA
0.20%	$250	-	2 Year Roth IRA
0.20%	$250	-	2 Year Jumbo Roth IRA
0.10%	$250	-	180 Day IRA
0.10%	$250	-	330 Day IRA
0.10%	$250	-	1 Year IRA
0.10%	$250	-	18 Month IRA
0.10%	$250	-	180 Day Jumbo IRA
0.10%	$250	-	330 Day Jumbo IRA
0.10%	$250	-	1 Year Jumbo IRA
0.10%	$250	-	18 Month Jumbo IRA
0.10%	$250	-	180 Day Roth IRA
0.10%	$250	-	180 Day Jumbo Roth IRA
0.10%	$250	-	330 Day Roth IRA
0.10%	$250	-	330 Day Jumbo Roth IRA
0.10%	$250	-	1 Year Roth IRA
0.10%	$250	-	1 Year Jumbo Roth IRA
0.10%	$250	-	18 Month Roth IRA
0.10%	$250	-	18 Month Jumbo Roth IRA
0.05%	$250	-	30 Day IRA
0.05%	$250	-	60 Day IRA
0.05%	$250	-	90 Day IRA
0.05%	$250	-	30 Day Jumbo IRA
0.05%	$250	-	60 Day Jumbo IRA
0.05%	$250	-	90 Day Jumbo IRA
0.05%	$250	-	30 Day Roth IRA
0.05%	$250	-	30 Day Jumbo Roth IRA
0.05%	$250	-	60 Day Roth IRA
0.05%	$250	-	60 Day Jumbo Roth IRA
0.05%	$250	-	90 Day Roth IRA
0.05%	$250	-	90 Day Jumbo Roth IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Amegy Bank National Association
FDIC Certificate #	24107
BankRate Report	View
Year Established	1982
Employees	1667
Primary Regulator	OCC
Assets and Liabilities
Assets	$12.01 billion
Loans	$7.80 billion
Deposits	$9.48 billion
Equity Capital	$2.29 billion
Loan Loss Allowance	$206.38 million
Unbacked Noncurrent Loans	$193.42 million
Real Estate Owned	$14.21 million
Historic Data - March 2011
Assets	$11.16 billion
Equity Capital	$2.15 billion
Loan Loss Allowance	$318.14 million
Unbacked Noncurrent Loans	$363.37 million
Real Estate Owned	$43.51 million
Profit Margin - Quarterly
Net Interest Margin	3.73%
Return on Assets	1.55%
Return on Equity	8.25%
Interest Income	$101.46 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 March 31, 2012 Amegy Bank had $207.62 million in non-current loans and owned real-estate with $2.49 billion in equity and loan loss allowances on hand to cover it. This gives Amegy Bank a Texas Ratio of 8.32% 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 Amegy Bank decreased significantly from 16.50% as of March 31, 2011 to 8.32% as of March 31, 2012, resulting in a positive change of 49.55%.This indicates that the balance sheet and financial strength for Amegy Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Amegy Bank has increased its total deposits by $830.08 million, resulting in 9.59% 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 Amegy 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. Amegy Bank has $12.01 billion in assets with $2.49 billion in equity, resulting in a capitalization level of 20.78%, which is excellent.