American Bank & Trust Wisconsin

American Bank & Trust Wisconsin is headquartered in Cuba City and is the 151^st largest bank in the state of Wisconsin. It is also the 4,134^th largest bank in the nation. It was established in 1903 and as of December of 2011, it had grown to 33 employees at 5 locations. American Bank & Trust Wisconsin has a 5-star health rating.

American Bank & Trust Wisconsin Routing Number: 075903637

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Data for Q4 2011

Institution Statistics American Bank & Trust Wisconsin FDIC Certificate # 6183 BankRate Report View Year Established 1903 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $134.29 million Loans $96.35 million Deposits $116.04 million Equity Capital $14.91 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $273,000 Real Estate Owned $626,000 Historic Data - December 2010 Assets $130.01 million Equity Capital $13.11 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $1.43 million Real Estate Owned $371,000 Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 1.46% Return on Equity 13.87% Interest Income $6.17 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 Wisconsin had $899,000 in non-current loans and owned real-estate with $16.18 million in equity and loan loss allowances on hand to cover it. This gives American Bank & Trust Wisconsin a Texas Ratio of 5.56% 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 Wisconsin decreased significantly from 12.56% as of December 31, 2010 to 5.56% as of December 31, 2011, resulting in a positive change of 55.74%.This indicates that the balance sheet and financial strength for American Bank & Trust Wisconsin has improved significantly in recent periods. Deposit Growth In the past year, American Bank & Trust Wisconsin has increased its total deposits by $4.71 million, resulting in 4.23% 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 Wisconsin 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 Wisconsin has $134.29 million in assets with $16.18 million in equity, resulting in a capitalization level of 12.04%, which is excellent.

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