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 | $239.81 million | | Loans | $191.04 million | | Deposits | $215.16 million | | Equity Capital | $21.92 million | | Loan Loss Allowance | $2.72 million | | Unbacked Noncurrent Loans | $780,000 | | Real Estate Owned | $898,000 |
Historic Data - December 2010 | | Assets | $234.79 million | | Equity Capital | $19.73 million | | Loan Loss Allowance | $2.77 million | | Unbacked Noncurrent Loans | $1.14 million | | Real Estate Owned | $1.35 million |
Profit Margin - Quarterly | | Net Interest Margin | 4% | | Return on Assets | 1.5% | | Return on Equity | 16.96% | | Interest Income | $12.54 million |
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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 & Trust Company, Inc. had $1.68 million in non-current loans and owned real-estate with $24.64 million in equity and loan loss allowances on hand to cover it. This gives American Bank & Trust Company, Inc. a Texas Ratio of 6.81% 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 11.05% as of December 31, 2010 to 6.81% as of December 31, 2011, resulting in a positive change of 38.35%.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 $9.64 million, resulting in 4.69% 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 $239.81 million in assets with $24.64 million in equity, resulting in a capitalization level of 10.27%, which is above average. |
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