American Bank and Trust Company, National Association

American Bank and Trust Company, National Association Locations
4301 East 53rd Street
Davenport, IA 52807
1-877-626-2265
www.ambankqc.com

American Bank and Trust Company, National Association is headquartered in Davenport and is the 26th largest bank in the state of Iowa. It is also the 1,432nd largest bank in the nation. It was established in 1999 and as of December of 2011, it had grown to 196 employees at 11 locations. American Bank and Trust Company, National Association has a 2-star health rating.



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See Rates for: Checking | Savings | CD | IRA

American Bank and Trust Company, National Association Checking Account Rates

ApyMinMaxProduct
0.45%$100k-Ultimate Money Market Checking
0.35%$60k-Money Market Checking
0.20%$20k-Ultimate Checking
0.10%$1k-Image Checking™ Plus

American Bank and Trust Company, National Association Savings Account Rates

ApyMinMaxProduct
0.55%$250k-Ultimate Savings
0.35%--American Dream Savings
0.30%$10k-Health Savings Account
0.15%$100-Regular Savings

American Bank and Trust Company, National Association CD Rates

ApyMinMaxProduct
1.40%$500-60 Month CORE Client CD
1.10%$500-60 Month CD
1.10%$500-48 Month CORE Client CD
1.01%$100k-260 Week CDARS Certificate
1.01%$100k-260 Week CORE Client CDARS Certificate
0.80%$500-48 Month CD
0.80%$500-36 Month CORE Client CD
0.70%$500-30 Month CORE Client CD
0.70%$500-36 Month CORE Client Ultimate CD
0.65%$500-24 Month CORE Client CD
0.65%$500-25 Month CORE Client CD
0.55%$500-18 Month CORE Client CD
0.50%$500-36 Month CD
0.50%$500-12 Month CORE Client CD
0.45%$100k-156 Week CDARS Certificate
0.45%$100k-156 Week CORE Client CDARS Certificate
0.45%$500-18 Month CORE Client Ultimate CD
0.40%$500-30 Month CD
0.40%$500-10 Month CORE Client CD
0.35%$500-24 Month CD
0.35%$500-25 Month CD
0.30%$500-36 Month Ultimate CD
0.30%$100k-104 Week CDARS Certificate
0.30%$100k-104 Week CORE Client CDARS Certificate
0.30%$500-6 Month CORE Client CD
0.25%$500-18 Month CD
0.25%$500-3 Month CORE Client CD
0.20%$500-12 Month CD
0.15%$500-18 Month Ultimate CD
0.13%$100k-52 Week CDARS Certificate
0.13%$100k-52 Week CORE Client CDARS Certificate
0.10%$500-10 Month CD
0.05%$500-6 Month CD
0.05%$100k-26 Week CDARS Certificate
0.05%$100k-26 Week CORE Client CDARS Certificate
0.02%$100k-13 Week CDARS Certificate
0.02%$100k-13 Week CORE Client CDARS Certificate
0.01%$500-3 Month CD
0.01%$100k-4 Week CDARS Certificate
0.01%$100k-4 Week CORE Client CDARS Certificate

American Bank and Trust Company, National Association IRA Rates

ApyMinMaxProduct
1.40%$500-60 Month CORE Client IRA
1.40%$500-60 Month CORE Client Roth IRA
1.40%$500-60 Month CORE Client CESA
1.10%$500-48 Month CORE Client IRA
1.10%$500-60 Month IRA
1.10%$500-48 Month CORE Client Roth IRA
1.10%$500-60 Month Roth IRA
1.10%$500-48 Month CORE Client CESA
1.10%$500-60 Month CESA
0.80%$500-36 Month CORE Client IRA
0.80%$500-48 Month IRA
0.80%$500-36 Month CORE Client Roth IRA
0.80%$500-48 Month Roth IRA
0.80%$500-36 Month CORE Client CESA
0.80%$500-48 Month CESA
0.70%$500-30 Month CORE Client IRA
0.70%$500-36 Month CORE Client Ultimate IRA
0.70%$500-30 Month CORE Client Roth IRA
0.70%$500-36 Month CORE Client Ultimate Roth IRA
0.70%$500-30 Month CORE Client CESA
0.70%$500-36 Month CORE Client Ultimate CESA
0.65%$500-24 Month CORE Client IRA
0.65%$500-25 Month CORE Client IRA
0.65%$500-24 Month CORE Client Roth IRA
0.65%$500-25 Month CORE Client Roth IRA
0.65%$500-24 Month CORE Client CESA
0.65%$500-25 Month CORE Client CESA
0.55%$500-18 Month CORE Client IRA
0.55%$500-18 Month CORE Client Roth IRA
0.55%$500-18 Month CORE Client CESA
0.50%$500-12 Month CORE Client IRA
0.50%$500-36 Month IRA
0.50%$500-12 Month CORE Client Roth IRA
0.50%$500-36 Month Roth IRA
0.50%$500-12 Month CORE Client CESA
0.50%$500-36 Month CESA
0.45%$500-18 Month CORE Client Ultimate IRA
0.45%$500-18 Month CORE Client Ultimate Roth IRA
0.45%$500-18 Month CORE Client Ultimate CESA
0.40%$500-10 Month CORE Client IRA
0.40%$500-30 Month IRA
0.40%$500-10 Month CORE Client Roth IRA
0.40%$500-30 Month Roth IRA
0.40%$500-10 Month CORE Client CESA
0.40%$500-30 Month CESA
0.35%$500-24 Month IRA
0.35%$500-25 Month IRA
0.35%$500-24 Month Roth IRA
0.35%$500-25 Month Roth IRA
0.35%$500-24 Month CESA
0.35%$500-25 Month CESA
0.30%$500-6 Month CORE Client IRA
0.30%$500-36 Month Ultimate IRA
0.30%$500-6 Month CORE Client Roth IRA
0.30%$500-36 Month Ultimate Roth IRA
0.30%$500-6 Month CORE Client CESA
0.30%$500-36 Month Ultimate CESA
0.25%$500-3 Month CORE Client IRA
0.25%$500-18 Month IRA
0.25%$500-3 Month CORE Client Roth IRA
0.25%$500-18 Month Roth IRA
0.25%$500-3 Month CORE Client CESA
0.25%$500-18 Month CESA
0.20%$500-12 Month IRA
0.20%$500-12 Month Roth IRA
0.20%$500-12 Month CESA
0.15%$500-18 Month Ultimate IRA
0.15%$500-18 Month Ultimate Roth IRA
0.15%$500-18 Month Ultimate CESA
0.10%$500-10 Month IRA
0.10%$500-10 Month Roth IRA
0.10%$500-10 Month CESA
0.05%$500-6 Month IRA
0.05%$500-6 Month Roth IRA
0.05%$500-6 Month CESA
0.01%$500-3 Month IRA
0.01%$500-3 Month Roth IRA
0.01%$500-3 Month CESA

Rates updated: 5/7/2012

Data for Q4 2011


Institution Statistics


American Bank and Trust Company, National Association
FDIC Certificate #34955
BankRate ReportView
Year Established1999
Employees196
Primary RegulatorOCC

Assets and Liabilities

Assets$465.59 million
Loans$303.68 million
Deposits$412.67 million
Equity Capital$40.39 million
Loan Loss Allowance$9.39 million
Unbacked Noncurrent Loans$26.08 million
Real Estate Owned$4.78 million

Historic Data - December 2010

Assets$555.02 million
Equity Capital$41.45 million
Loan Loss Allowance$7.35 million
Unbacked Noncurrent Loans$28.59 million
Real Estate Owned$4.14 million

Profit Margin - Quarterly

Net Interest Margin3.84%
Return on Assets-0.8%
Return on Equity-9.8%
Interest Income$23.43 million

Institution Health


Overall Score:
2 out of 5
2
Texas Ratio2
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 Bank and Trust Company, National Association had $30.85 million in non-current loans and owned real-estate with $49.78 million in equity and loan loss allowances on hand to cover it. This gives American Bank and Trust Company, National Association a Texas Ratio of 61.98% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for American Bank and Trust Company, National Association held steady from 67.07% as of December 31, 2010 to 61.98% as of December 31, 2011, resulting in a positive change of 7.59%.This indicates that the balance sheet and financial strength for American Bank and Trust Company, National Association has held steady in recent periods.
Deposit Growth1
In the past year, American Bank and Trust Company, National Association has decreased its total deposits by -$74.5 million, resulting in -15.29% 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 Bank and Trust Company, National Association has shown is poor.
Capitalization4
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 Bank and Trust Company, National Association has $465.59 million in assets with $49.78 million in equity, resulting in a capitalization level of 10.69%, which is above average.
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