American Bank of Texas

American Bank of Texas is headquartered in Sherman and is the 41^st largest bank in the state of Texas. It is also the 570^th largest bank in the nation. It was established in 1971 and as of December of 2011, it had grown to 275 employees at 19 locations. American Bank of Texas has a 4-star health rating.

American Bank of Texas Routing Number: 111901645

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Data for Q4 2011

Institution Statistics American Bank of Texas FDIC Certificate # 20473 BankRate Report View Year Established 1971 Employees 275 Primary Regulator FDIC Assets and Liabilities Assets $1.14 billion Loans $774.18 million Deposits $954.90 million Equity Capital $156.53 million Loan Loss Allowance $17.34 million Unbacked Noncurrent Loans $12.92 million Real Estate Owned $50.86 million Historic Data - December 2010 Assets $1.11 billion Equity Capital $148.35 million Loan Loss Allowance $17.28 million Unbacked Noncurrent Loans $46.33 million Real Estate Owned $35.88 million Profit Margin - Quarterly Net Interest Margin 4.46% Return on Assets 0.91% Return on Equity 6.67% Interest Income $52.67 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 of Texas had $63.78 million in non-current loans and owned real-estate with $173.88 million in equity and loan loss allowances on hand to cover it. This gives American Bank of Texas a Texas Ratio of 36.68% 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 Texas decreased slightly from 49.81% as of December 31, 2010 to 36.68% as of December 31, 2011, resulting in a positive change of 26.36%.This indicates that the balance sheet and financial strength for American Bank of Texas has improved slightly in recent periods. Deposit Growth In the past year, American Bank of Texas has increased its total deposits by $27.18 million, resulting in 2.93% 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 Texas has shown is above 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 Texas has $1.14 billion in assets with $173.88 million in equity, resulting in a capitalization level of 15.25%, which is excellent.

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