American Bank, National Association (TX)

American Bank, National Association (TX) is headquartered in Dallas and is the 516^st largest bank in the state of Texas. It is also the 6,390^th largest bank in the nation. It was established in 1974 and as of December of 2011, it had grown to 10 employees at 1 location. American Bank, National Association (TX) has a 5-star health rating.

Data for Q4 2011

Institution Statistics American Bank, National Association FDIC Certificate # 21567 BankRate Report View Year Established 1974 Employees 10 Primary Regulator OCC Assets and Liabilities Assets $49.66 million Loans $5.72 million Deposits $45.00 million Equity Capital $4.55 million Loan Loss Allowance $171,000 Historic Data - December 2010 Assets $39.40 million Equity Capital $4.23 million Loan Loss Allowance $184,000 Profit Margin - Quarterly Net Interest Margin 2.46% Return on Assets -0.12% Return on Equity -1.21% Interest Income $1.36 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, National Association (TX) had $0 in non-current loans and owned real-estate with $4.72 million in equity and loan loss allowances on hand to cover it. This gives American Bank, National Association (TX) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, American Bank, National Association (TX) has increased its total deposits by $9.94 million, resulting in 28.34% 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, National Association (TX) 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, National Association (TX) has $49.66 million in assets with $4.72 million in equity, resulting in a capitalization level of 9.51%, which is average.

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