American National Bank (NE)

American National Bank (NE) is headquartered in Omaha and is the 6^th largest bank in the state of Nebraska. It is also the 360^th largest bank in the nation. It was established in 1964 and as of December of 2011, it had grown to 403 employees at 32 locations. American National Bank (NE) has a 5-star health rating.

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Data for Q4 2011

Institution Statistics American National Bank FDIC Certificate # 19300 BankRate Report View Year Established 1964 Employees 403 Primary Regulator OCC Assets and Liabilities Assets $1.93 billion Loans $1.17 billion Deposits $1.46 billion Equity Capital $230.85 million Loan Loss Allowance $18.23 million Unbacked Noncurrent Loans $7.48 million Real Estate Owned $4.72 million Historic Data - December 2010 Assets $1.69 billion Equity Capital $202.94 million Loan Loss Allowance $19.63 million Unbacked Noncurrent Loans $18.03 million Real Estate Owned $5.97 million Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 2.05% Return on Equity 17.1% Interest Income $80.00 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 National Bank (NE) had $12.2 million in non-current loans and owned real-estate with $249.08 million in equity and loan loss allowances on hand to cover it. This gives American National Bank (NE) a Texas Ratio of 4.90% 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 National Bank (NE) decreased significantly from 10.71% as of December 31, 2010 to 4.90% as of December 31, 2011, resulting in a positive change of 54.26%.This indicates that the balance sheet and financial strength for American National Bank (NE) has improved significantly in recent periods. Deposit Growth In the past year, American National Bank (NE) has increased its total deposits by $143.13 million, resulting in 10.87% 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 (NE) 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 (NE) has $1.93 billion in assets with $249.08 million in equity, resulting in a capitalization level of 12.92%, which is excellent.

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