American Bank Center

American Bank Center is headquartered in Dickinson and is the 9^th largest bank in the state of North Dakota. It is also the 737^th largest bank in the nation. It was established in 1977 and as of December of 2011, it had grown to 262 employees at 13 locations. American Bank Center has a 5-star health rating.

American Bank Center Routing Number: 091311151

Data for Q4 2011

Institution Statistics American Bank Center FDIC Certificate # 22559 BankRate Report View Year Established 1977 Employees 262 Primary Regulator FDIC Assets and Liabilities Assets $896.53 million Loans $461.68 million Deposits $799.56 million Equity Capital $82.39 million Loan Loss Allowance $5.43 million Unbacked Noncurrent Loans $2.93 million Real Estate Owned $144,000 Historic Data - December 2010 Assets $572.65 million Equity Capital $54.22 million Loan Loss Allowance $4.64 million Unbacked Noncurrent Loans $2.50 million Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 1.51% Return on Equity 16.16% Interest Income $34.27 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 December 31, 2011 American Bank Center had $3.08 million in non-current loans and owned real-estate with $87.82 million in equity and loan loss allowances on hand to cover it. This gives American Bank Center a Texas Ratio of 3.50% 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 Center decreased slightly from 4.41% as of December 31, 2010 to 3.50% as of December 31, 2011, resulting in a positive change of 20.44%.This indicates that the balance sheet and financial strength for American Bank Center has improved slightly in recent periods. Deposit Growth In the past year, American Bank Center has increased its total deposits by $296.52 million, resulting in 58.94% 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 Center 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. American Bank Center has $896.53 million in assets with $87.82 million in equity, resulting in a capitalization level of 9.80%, which is average.

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