American Heritage Bank

American Heritage Bank is headquartered in Sapulpa and is the 12^st largest bank in the state of Oklahoma. It is also the 882^nd largest bank in the nation. It was established in 1905 and as of December of 2011, it had grown to 237 employees at 16 locations. American Heritage Bank's savings rates are 2X the national average, and it boasts a 5-star health rating.

American Heritage Bank Routing Number: 103100616

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Data for Q4 2011

Institution Statistics American Heritage Bank FDIC Certificate # 4190 BankRate Report View Year Established 1905 Employees 237 Primary Regulator FED Assets and Liabilities Assets $752.55 million Loans $310.80 million Deposits $575.82 million Equity Capital $81.75 million Loan Loss Allowance $5.14 million Unbacked Noncurrent Loans $2.65 million Real Estate Owned $492,000 Historic Data - December 2010 Assets $691.94 million Equity Capital $76.57 million Loan Loss Allowance $5.39 million Unbacked Noncurrent Loans $121,000 Real Estate Owned $150,000 Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 1.29% Return on Equity 11.78% Interest Income $29.46 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 Heritage Bank had $3.14 million in non-current loans and owned real-estate with $86.89 million in equity and loan loss allowances on hand to cover it. This gives American Heritage Bank a Texas Ratio of 3.61% 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 Heritage Bank held steady from 0.33% as of December 31, 2010 to 3.61% as of December 31, 2011, resulting in a negative change of 991.87%. This indicates that the balance sheet and financial strength for American Heritage Bank has held steady in recent periods. Deposit Growth In the past year, American Heritage Bank has increased its total deposits by $61.05 million, resulting in 11.86% 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 Heritage 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 Heritage Bank has $752.55 million in assets with $86.89 million in equity, resulting in a capitalization level of 11.55%, which is above average.

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