American Bank & Trust Company (LA)

American Bank & Trust Company (LA) is headquartered in Covington and is the 104^th largest bank in the state of Louisiana. It is also the 4,667^th largest bank in the nation. It was established in 1964 and as of December of 2011, it had grown to 46 employees at 4 locations. American Bank & Trust Company (LA) has a 2-star health rating.

Data for Q4 2011

Institution Statistics American Bank & Trust Company FDIC Certificate # 19234 BankRate Report View Year Established 1964 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $110.74 million Loans $68.31 million Deposits $100.73 million Equity Capital $9.64 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $5.03 million Real Estate Owned $749,000 Historic Data - December 2010 Assets $112.03 million Equity Capital $9.42 million Loan Loss Allowance $1.51 million Unbacked Noncurrent Loans $2.52 million Real Estate Owned $813,000 Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets 0.14% Return on Equity 1.68% Interest Income $5.46 million

Institution Health Overall Score: 2 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 (LA) had $5.78 million in non-current loans and owned real-estate with $10.94 million in equity and loan loss allowances on hand to cover it. This gives American Bank & Trust Company (LA) a Texas Ratio of 52.84% 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 & Trust Company (LA) increased slightly from 30.48% as of December 31, 2010 to 52.84% as of December 31, 2011, resulting in a negative change of 73.35%. This indicates that the balance sheet and financial strength for American Bank & Trust Company (LA) has declined slightly in recent periods. Deposit Growth In the past year, American Bank & Trust Company (LA) has decreased its total deposits by -$1.58 million, resulting in -1.54% 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 (LA) 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 & Trust Company (LA) has $110.74 million in assets with $10.94 million in equity, resulting in a capitalization level of 9.88%, which is average.

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