American Federal Savings Bank

American Federal Savings Bank is headquartered in Helena and is the 14^st largest bank in the state of Montana. It is also the 2,034^th largest bank in the nation. It was established in 1922 and as of December of 2011, it had grown to 85 employees at 6 locations. American Federal Savings Bank has a 5-star health rating.

American Federal Savings Bank Routing Number: 292070806

American Federal Savings Bank Savings Account Rates

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American Federal Savings Bank IRA Rates

Data for Q4 2011

Institution Statistics American Federal Savings Bank OTS # 04902 FDIC Certificate # 30182 BankRate Report View Year Established 1922 Employees 85 Primary Regulator OCC Assets and Liabilities Assets $317.46 million Loans $191.93 million Deposits $215.58 million Equity Capital $43.79 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $3.15 million Real Estate Owned $2.02 million Historic Data - December 2010 Assets $318.12 million Equity Capital $41.95 million Loan Loss Allowance $739,000 Unbacked Noncurrent Loans $1.78 million Real Estate Owned $1.49 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.65% Return on Equity 4.82% Interest Income $14.40 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 Federal Savings Bank had $5.16 million in non-current loans and owned real-estate with $44.96 million in equity and loan loss allowances on hand to cover it. This gives American Federal Savings Bank a Texas Ratio of 11.48% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Federal Savings Bank held steady from 7.66% as of December 31, 2010 to 11.48% as of December 31, 2011, resulting in a negative change of 49.98%. This indicates that the balance sheet and financial strength for American Federal Savings Bank has held steady in recent periods. Deposit Growth In the past year, American Federal Savings Bank has increased its total deposits by $10.4 million, resulting in 5.07% 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 Federal Savings Bank 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 Federal Savings Bank has $317.46 million in assets with $44.96 million in equity, resulting in a capitalization level of 14.16%, which is excellent.

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