American Heritage National Bank

American Heritage National Bank is headquartered in Long Prairie and is the 76^th largest bank in the state of Minnesota. It is also the 2,962^nd largest bank in the nation. It was established in 1881 and as of December of 2011, it had grown to 47 employees at 4 locations. American Heritage National Bank has a 5-star health rating.

American Heritage National Bank Routing Number: 091903051

Data for Q4 2011

Institution Statistics American Heritage National Bank FDIC Certificate # 8843 BankRate Report View Year Established 1881 Employees 47 Primary Regulator OCC Assets and Liabilities Assets $211.55 million Loans $143.67 million Deposits $186.94 million Equity Capital $23.91 million Loan Loss Allowance $3.14 million Unbacked Noncurrent Loans $670,000 Real Estate Owned $970,000 Historic Data - December 2010 Assets $212.74 million Equity Capital $22.58 million Loan Loss Allowance $2.79 million Unbacked Noncurrent Loans $3.85 million Real Estate Owned $2.30 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.62% Return on Equity 5.36% Interest Income $8.86 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 National Bank had $1.64 million in non-current loans and owned real-estate with $27.05 million in equity and loan loss allowances on hand to cover it. This gives American Heritage National Bank a Texas Ratio of 6.06% 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 National Bank decreased significantly from 24.21% as of December 31, 2010 to 6.06% as of December 31, 2011, resulting in a positive change of 74.96%.This indicates that the balance sheet and financial strength for American Heritage National Bank has improved significantly in recent periods. Deposit Growth In the past year, American Heritage National Bank has increased its total deposits by $385,000, resulting in 0.21% 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 National Bank has shown is 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 Heritage National Bank has $211.55 million in assets with $27.05 million in equity, resulting in a capitalization level of 12.79%, which is excellent.

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