American Bank and Trust Company

American Bank and Trust Company is headquartered in Tulsa and is the 89^th largest bank in the state of Oklahoma. It is also the 3,516^st largest bank in the nation. It was established in 1971 and as of December of 2011, it had grown to 47 employees at 4 locations. American Bank and Trust Company has a 4-star health rating.

Data for Q4 2011

Institution Statistics American Bank and Trust Company FDIC Certificate # 20537 BankRate Report View Year Established 1971 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $169.13 million Loans $80.82 million Deposits $144.40 million Equity Capital $18.97 million Loan Loss Allowance $505,000 Unbacked Noncurrent Loans $1.12 million Historic Data - December 2010 Assets $172.42 million Equity Capital $19.00 million Loan Loss Allowance $503,000 Unbacked Noncurrent Loans $202,000 Profit Margin - Quarterly Net Interest Margin 3.06% Return on Assets 0.3% Return on Equity 2.67% Interest Income $5.81 million

Institution Health Overall Score: 4 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 Bank and Trust Company had $1.12 million in non-current loans and owned real-estate with $19.48 million in equity and loan loss allowances on hand to cover it. This gives American Bank and Trust Company a Texas Ratio of 5.73% 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 American Bank and Trust Company held steady from 1.04% as of December 31, 2010 to 5.73% as of December 31, 2011, resulting in a negative change of 453.33%. This indicates that the balance sheet and financial strength for American Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, American Bank and Trust Company has decreased its total deposits by -$2.92 million, resulting in -1.98% 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 has shown is below average. 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 Bank and Trust Company has $169.13 million in assets with $19.48 million in equity, resulting in a capitalization level of 11.51%, which is above average.

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