American Bank & Trust Company

307 East Landry Street
Opelousas, LA 70570
(337) 948-3056
www.americanbankandtrust.net

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American Bank & Trust Company is headquartered in Opelousas and is the 79^th largest bank in the state of Louisiana. It is also the 3,719^st largest bank in the nation. It was established in 1958 and as of December of 2011, it had grown to 47 employees at 8 locations. American Bank & Trust Company has a 5-star health rating.

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

American Bank & Trust Company Checking Account Rates

	Apy	Min	Max	Product
	0.16%	$500	-	NOW

American Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.20%	$1k	-	Savings
0.16%	$500	-	Ameri-Club Interest
0.10%	-	-	Christmas Club

American Bank & Trust Company Money Market Rates

	Apy	Min	Max	Product
	0.30%	$2,500	-	Money Market

American Bank & Trust Company CD Rates

Apy	Min	Max	Product
0.96%	$250	-	36 Month CD (qrt add on)
0.95%	$1k	-	36 Month CD (mth ck/trans)
0.95%	$1k	-	36 Month CD (qrt ck)
0.75%	$1k	-	24 Month CD (mth ck/trans)
0.75%	$1k	-	24 Month CD (qtr ck)
0.75%	$1k	-	24 Month CD (qrt add on)
0.50%	$1k	-	12 Month CD (mth ck/trans)
0.50%	$1k	-	12 Month CD (qrt ck)
0.50%	$1k	-	12 Month CD (qrt add on)
0.35%	$1k	-	6 Month CD
0.35%	$1k	-	6 Month CD (mth ck)
0.15%	$1k	-	90 Day CD
0.05%	$1k	-	30 Day CD

American Bank & Trust Company IRA Rates

Apy	Min	Max	Product
0.96%	$250	-	36 Month IRA (qrt add on)
0.75%	$250	-	24 Month IRA (qrt add on)
0.50%	$250	-	12 Month IRA (qrt add on)
0.35%	$250	-	6 Month IRA

Rates updated: 5/21/2012

Data for Q4 2011

Institution Statistics

American Bank & Trust Company
FDIC Certificate #	17906
BankRate Report	View
Year Established	1958
Employees	47
Primary Regulator	FDIC
Assets and Liabilities
Assets	$156.83 million
Loans	$78.40 million
Deposits	$138.13 million
Equity Capital	$15.72 million
Loan Loss Allowance	$1.32 million
Unbacked Noncurrent Loans	$797,000
Historic Data - December 2010
Assets	$146.29 million
Equity Capital	$13.48 million
Loan Loss Allowance	$1.15 million
Unbacked Noncurrent Loans	$967,000
Profit Margin - Quarterly
Net Interest Margin	4.08%
Return on Assets	1.18%
Return on Equity	11.54%
Interest Income	$6.08 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, 2011 American Bank & Trust Company had $797,000 in non-current loans and owned real-estate with $17.03 million in equity and loan loss allowances on hand to cover it. This gives American Bank & Trust Company a Texas Ratio of 4.68% 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 decreased slightly from 6.61% as of December 31, 2010 to 4.68% as of December 31, 2011, resulting in a positive change of 29.21%.This indicates that the balance sheet and financial strength for American Bank & Trust Company has improved slightly in recent periods.
Deposit Growth
In the past year, American Bank & Trust Company has increased its total deposits by $10.74 million, resulting in 8.43% 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 has shown is excellent.
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 has $156.83 million in assets with $17.03 million in equity, resulting in a capitalization level of 10.86%, which is above average.

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