American First National Bank

American First National Bank is headquartered in Houston and is the 57^th largest bank in the state of Texas. It is also the 757^th largest bank in the nation. It was established in 1998 and as of December of 2011, it had grown to 241 employees at 16 locations. American First National Bank has a 4-star health rating.

American First National Bank Routing Number: 113024106

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Data for Q4 2011

Institution Statistics American First National Bank FDIC Certificate # 34656 BankRate Report View Year Established 1998 Employees 241 Primary Regulator OCC Assets and Liabilities Assets $868.86 million Loans $692.72 million Deposits $712.65 million Equity Capital $113.22 million Loan Loss Allowance $7.10 million Unbacked Noncurrent Loans $26.74 million Real Estate Owned $4.37 million Historic Data - December 2010 Assets $708.29 million Equity Capital $77.15 million Loan Loss Allowance $7.95 million Unbacked Noncurrent Loans $12.13 million Profit Margin - Quarterly Net Interest Margin 4.86% Return on Assets 4.32% Return on Equity 36.7% Interest Income $41.99 million

Institution Health Overall Score: 4 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 First National Bank had $31.11 million in non-current loans and owned real-estate with $120.32 million in equity and loan loss allowances on hand to cover it. This gives American First National Bank a Texas Ratio of 25.85% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American First National Bank increased slightly from 14.25% as of December 31, 2010 to 25.85% as of December 31, 2011, resulting in a negative change of 81.37%. This indicates that the balance sheet and financial strength for American First National Bank has declined slightly in recent periods. Deposit Growth In the past year, American First National Bank has increased its total deposits by $85.08 million, resulting in 13.56% 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 First National 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 First National Bank has $868.86 million in assets with $120.32 million in equity, resulting in a capitalization level of 13.85%, which is excellent.

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