American Bank of Baxter Springs

American Bank of Baxter Springs is headquartered in Baxter Springs and is the 112^st largest bank in the state of Kansas. It is also the 4,660^th largest bank in the nation. It was established in 1917 and as of December of 2011, it had grown to 30 employees at 3 locations. American Bank of Baxter Springs has a 3-star health rating.

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Data for Q4 2011

Institution Statistics American Bank of Baxter Springs FDIC Certificate # 4624 BankRate Report View Year Established 1917 Employees 30 Primary Regulator FED Assets and Liabilities Assets $111.29 million Loans $61.89 million Deposits $101.75 million Equity Capital $9.46 million Loan Loss Allowance $4.56 million Unbacked Noncurrent Loans $6.61 million Real Estate Owned $3.74 million Historic Data - December 2010 Assets $115.06 million Equity Capital $10.08 million Loan Loss Allowance $5.41 million Unbacked Noncurrent Loans $5.72 million Real Estate Owned $1.34 million Profit Margin - Quarterly Net Interest Margin 2.9% Return on Assets -1.31% Return on Equity -15.08% Interest Income $4.02 million

Institution Health Overall Score: 3 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 of Baxter Springs had $10.35 million in non-current loans and owned real-estate with $14.02 million in equity and loan loss allowances on hand to cover it. This gives American Bank of Baxter Springs a Texas Ratio of 73.82% which is below 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 of Baxter Springs increased slightly from 45.56% as of December 31, 2010 to 73.82% as of December 31, 2011, resulting in a negative change of 62.04%. This indicates that the balance sheet and financial strength for American Bank of Baxter Springs has declined slightly in recent periods. Deposit Growth In the past year, American Bank of Baxter Springs has decreased its total deposits by -$2.92 million, resulting in -2.79% 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 of Baxter Springs 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 of Baxter Springs has $111.29 million in assets with $14.02 million in equity, resulting in a capitalization level of 12.60%, which is excellent.

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