American Bank, National Association

American Bank, National Association is headquartered in Corpus Christi and is the 47^th largest bank in the state of Texas. It is also the 626^th largest bank in the nation. It was established in 1970 and as of December of 2011, it had grown to 232 employees at 13 locations. American Bank, National Association has a 4-star health rating.

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Data for Q4 2011

Institution Statistics American Bank, National Association FDIC Certificate # 20241 BankRate Report View Year Established 1970 Employees 232 Primary Regulator OCC Assets and Liabilities Assets $1.05 billion Loans $611.09 million Deposits $952.00 million Equity Capital $99.14 million Loan Loss Allowance $11.59 million Unbacked Noncurrent Loans $10.15 million Real Estate Owned $512,000 Historic Data - December 2010 Assets $949.09 million Equity Capital $86.21 million Loan Loss Allowance $10.50 million Unbacked Noncurrent Loans $7.37 million Real Estate Owned $2.87 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 1.51% Return on Equity 16.44% Interest Income $41.37 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, National Association had $10.66 million in non-current loans and owned real-estate with $110.73 million in equity and loan loss allowances on hand to cover it. This gives American Bank, National Association a Texas Ratio of 9.63% 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 American Bank, National Association held steady from 10.31% as of December 31, 2010 to 9.63% as of December 31, 2011, resulting in a positive change of 6.59%.This indicates that the balance sheet and financial strength for American Bank, National Association has held steady in recent periods. Deposit Growth In the past year, American Bank, National Association has increased its total deposits by $92.76 million, resulting in 10.8% 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 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 has $1.05 billion in assets with $110.73 million in equity, resulting in a capitalization level of 10.51%, which is above average.

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