American Bank & Trust of the Cumberlands

American Bank & Trust of the Cumberlands is headquartered in Livingston and is the 128^th largest bank in the state of Tennessee. It is also the 4,040^th largest bank in the nation. It was established in 1978 and as of December of 2011, it had grown to 36 employees at 2 locations. American Bank & Trust of the Cumberlands has a 5-star health rating.

Data for Q4 2011

Institution Statistics American Bank & Trust of the Cumberlands FDIC Certificate # 31980 BankRate Report View Year Established 1978 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $139.57 million Loans $104.10 million Deposits $126.58 million Equity Capital $11.81 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $1.01 million Real Estate Owned $30,000 Historic Data - December 2010 Assets $122.63 million Equity Capital $10.17 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $927,000 Real Estate Owned $15,000 Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 1.08% Return on Equity 12.85% Interest Income $6.96 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 of the Cumberlands had $1.04 million in non-current loans and owned real-estate with $13.39 million in equity and loan loss allowances on hand to cover it. This gives American Bank & Trust of the Cumberlands a Texas Ratio of 7.74% 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 of the Cumberlands held steady from 8.14% as of December 31, 2010 to 7.74% as of December 31, 2011, resulting in a positive change of 4.98%.This indicates that the balance sheet and financial strength for American Bank & Trust of the Cumberlands has held steady in recent periods. Deposit Growth In the past year, American Bank & Trust of the Cumberlands has increased its total deposits by $15.3 million, resulting in 13.75% 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 of the Cumberlands 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 of the Cumberlands has $139.57 million in assets with $13.39 million in equity, resulting in a capitalization level of 9.59%, which is average.

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