American Bank & Trust

American Bank & Trust is headquartered in Wessington Sprin and is the 21^st largest bank in the state of South Dakota. It is also the 1,745^th largest bank in the nation. It was established in 1892 and as of December of 2011, it had grown to 90 employees at 8 locations. American Bank & Trust's money market rates are 2X the national average, and it boasts a 5-star health rating.

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American Bank & Trust CD Rates

Data for Q4 2011

Institution Statistics American Bank & Trust FDIC Certificate # 1117 BankRate Report View Year Established 1892 Employees 90 Primary Regulator FDIC Assets and Liabilities Assets $378.14 million Loans $243.39 million Deposits $304.84 million Equity Capital $43.78 million Loan Loss Allowance $3.98 million Unbacked Noncurrent Loans $3.07 million Real Estate Owned $565,000 Historic Data - December 2010 Assets $287.31 million Equity Capital $30.69 million Loan Loss Allowance $3.21 million Unbacked Noncurrent Loans $2.50 million Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 1.69% Return on Equity 14.86% Interest Income $16.37 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 had $3.63 million in non-current loans and owned real-estate with $47.76 million in equity and loan loss allowances on hand to cover it. This gives American Bank & Trust a Texas Ratio of 7.60% 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 held steady from 7.37% as of December 31, 2010 to 7.60% as of December 31, 2011, resulting in a negative change of 3.10%. This indicates that the balance sheet and financial strength for American Bank & Trust has held steady in recent periods. Deposit Growth In the past year, American Bank & Trust has increased its total deposits by $72.91 million, resulting in 31.44% 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 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 has $378.14 million in assets with $47.76 million in equity, resulting in a capitalization level of 12.63%, which is excellent.

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