American Interstate Bank

American Interstate Bank is headquartered in Elkhorn and is the 85^th largest bank in the state of Nebraska. It is also the 4,674^th largest bank in the nation. It was established in 1915 and as of December of 2011, it had grown to 17 employees at 3 locations. American Interstate Bank has a 4-star health rating.

American Interstate Bank Routing Number: 104910135

Data for Q4 2011

Institution Statistics American Interstate Bank FDIC Certificate # 1439 BankRate Report View Year Established 1915 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $110.50 million Loans $82.32 million Deposits $101.04 million Equity Capital $9.22 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $403,000 Historic Data - December 2010 Assets $113.47 million Equity Capital $9.36 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $275,000 Real Estate Owned $54,000 Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 2.36% Return on Equity 27.75% Interest Income $5.29 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 Interstate Bank had $403,000 in non-current loans and owned real-estate with $10.72 million in equity and loan loss allowances on hand to cover it. This gives American Interstate Bank a Texas Ratio of 3.76% 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 Interstate Bank held steady from 3.02% as of December 31, 2010 to 3.76% as of December 31, 2011, resulting in a negative change of 24.64%. This indicates that the balance sheet and financial strength for American Interstate Bank has held steady in recent periods. Deposit Growth In the past year, American Interstate Bank has decreased its total deposits by -$2.79 million, resulting in -2.69% 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 Interstate Bank has shown is below 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 Interstate Bank has $110.5 million in assets with $10.72 million in equity, resulting in a capitalization level of 9.70%, which is average.

No reviews have been left for this bank yet. Be the first to review.