American National Bank and Trust Company

American National Bank and Trust Company is headquartered in Danville and is the 16^st largest bank in the state of Virginia. It is also the 504^th largest bank in the nation. It was established in 1909 and as of December of 2011, it had grown to 315 employees at 29 locations. American National Bank and Trust Company has a 4-star health rating.

Data for Q4 2011

Institution Statistics American National Bank and Trust Company FDIC Certificate # 6837 BankRate Report View Year Established 1909 Employees 315 Primary Regulator OCC Assets and Liabilities Assets $1.30 billion Loans $820.56 million Deposits $1.06 billion Equity Capital $176.81 million Loan Loss Allowance $10.53 million Unbacked Noncurrent Loans $13.72 million Real Estate Owned $5.35 million Historic Data - December 2010 Assets $833.02 million Equity Capital $119.01 million Loan Loss Allowance $8.42 million Unbacked Noncurrent Loans $2.60 million Real Estate Owned $3.72 million Profit Margin - Quarterly Net Interest Margin 4.5% Return on Assets 1.33% Return on Equity 9.61% Interest Income $49.19 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 National Bank and Trust Company had $19.07 million in non-current loans and owned real-estate with $187.34 million in equity and loan loss allowances on hand to cover it. This gives American National Bank and Trust Company a Texas Ratio of 10.18% 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 National Bank and Trust Company increased slightly from 4.95% as of December 31, 2010 to 10.18% as of December 31, 2011, resulting in a negative change of 105.51%. This indicates that the balance sheet and financial strength for American National Bank and Trust Company has declined slightly in recent periods. Deposit Growth In the past year, American National Bank and Trust Company has increased its total deposits by $412.04 million, resulting in 63.52% 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 National Bank and Trust Company 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 National Bank and Trust Company has $1.3 billion in assets with $187.34 million in equity, resulting in a capitalization level of 14.37%, which is excellent.

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