American Bank & Trust Company, Inc.

American Bank & Trust Company, Inc. Locations

1302 Scottsville Road
Bowling Green, KY 42103
270-796-8444
www.ambanking.com

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American Bank & Trust Company, Inc. is headquartered in Bowling Green and is the 56^th largest bank in the state of Kentucky. It is also the 2,619^st largest bank in the nation. It was established in 2000 and as of December of 2012, it had grown to 61 employees at 4 locations. American Bank & Trust Company, Inc. has a 5-star health rating.

American Bank & Turst In KY Changes Reward Checking To 15 Debits (Forum) - 4/27/2013

Starting on June 1, 2013 old accounts will become the new American Inentive Checking Account. Same acct. number therfore old checks will work. Debits increase to 15 (were 10). $10 monthy service charge. $500 daily minimum balance. Everything else remains

American Bank & Trust RCA (2.05%,$50K) To (1.8%, $50K) (Forum) - 9/26/2012

This change was effective a couple of weeks ago. At least the cap stayed high.

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See Rates for: Checking | Savings | Money Market | CD | IRA

American Bank & Trust Company, Inc. Checking Account Rates

Apy	Min	Max	Product
1.80%	-	$50k	American Incentive Checking
0.50%	$75k	-	Presidential Checking
0.50%	$100	-	Corporate Checking
0.25%	-	-	Small Business Checking
0.20%	$100	-	Classic American Checking
0.20%	$1k	-	Stars & Stripes Checking

American Bank & Trust Company, Inc. Savings Account Rates

Apy	Min	Max	Product
0.25%	$100	-	Statement Savings Account
0.25%	-	-	Vacation Club Savings

American Bank & Trust Company, Inc. Money Market Rates

	Apy	Min	Max	Product
	0.50%	$300k	-	Money Market Account

American Bank & Trust Company, Inc. CD Rates

Apy	Min	Max	Product
1.50%	$1k	-	60 Month CD
1.20%	$1k	-	48 Month CD
1.10%	$1k	-	36 Month CD
1.05%	$1k	-	30 Month CD
1.00%	$1k	-	24 Month CD
0.85%	$1k	-	18 Month CD
0.80%	$1k	-	12 Month CD
0.25%	$1k	-	180 Day CD
0.20%	$1k	-	90 Day CD

American Bank & Trust Company, Inc. IRA Rates

Apy	Min	Max	Product
1.50%	$1k	-	60 Month IRA
1.50%	$1k	-	60 Month Roth IRA
1.20%	$1k	-	48 Month IRA
1.20%	$1k	-	48 Month Roth IRA
1.10%	$1k	-	36 Month IRA
1.10%	$1k	-	36 Month Roth IRA
1.05%	$1k	-	30 Month IRA
1.05%	$1k	-	30 Month Roth IRA
1.00%	$1k	-	24 Month IRA
1.00%	$1k	-	24 Month Roth IRA
0.85%	$1k	-	18 Month IRA
0.85%	$1k	-	18 Month Roth IRA
0.80%	$1k	-	12 Month IRA
0.80%	$1k	-	12 Month Roth IRA

Rates updated: 5/23/2013

Data for Q4 2012

Institution Statistics

American Bank & Trust Company, Inc.
FDIC Certificate #	35568
BankRate Report	View
Year Established	2000
Employees	61
Primary Regulator	FDIC
Assets and Liabilities
Assets	$245.03 million
Loans	$206.47 million
Deposits	$221.74 million
Equity Capital	$22.53 million
Loan Loss Allowance	$3.24 million
Unbacked Noncurrent Loans	$527,000
Real Estate Owned	$508,000
Historic Data - December 2011
Assets	$239.81 million
Equity Capital	$21.92 million
Loan Loss Allowance	$2.72 million
Unbacked Noncurrent Loans	$780,000
Real Estate Owned	$898,000
Profit Margin - Quarterly
Net Interest Margin	4.3%
Return on Assets	1.84%
Return on Equity	19.93%
Interest Income	$12.38 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, 2012 American Bank & Trust Company, Inc. had $1.03 million in non-current loans and owned real-estate with $25.77 million in equity and loan loss allowances on hand to cover it. This gives American Bank & Trust Company, Inc. a Texas Ratio of 4.02% 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 & Trust Company, Inc. decreased slightly from 6.61% as of December 31, 2011 to 4.02% as of December 31, 2012, resulting in a positive change of 39.26%.This indicates that the balance sheet and financial strength for American Bank & Trust Company, Inc. has improved slightly in recent periods.
Deposit Growth
In the past year, American Bank & Trust Company, Inc. has increased its total deposits by $6.57 million, resulting in 3.06% 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 & Trust Company, Inc. 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 & Trust Company, Inc. has $245.02 million in assets with $25.77 million in equity, resulting in a capitalization level of 10.52%, which is above average.