American National Bank of Minnesota

American National Bank of Minnesota is headquartered in Baxter and is the 54^th largest bank in the state of Minnesota. It is also the 2,310^st largest bank in the nation. It was established in 1983 and as of December of 2011, it had grown to 59 employees at 8 locations. American National Bank of Minnesota has a 2-star health rating.

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Data for Q4 2011

Institution Statistics American National Bank of Minnesota FDIC Certificate # 26499 BankRate Report View Year Established 1983 Employees 59 Primary Regulator OCC Assets and Liabilities Assets $278.81 million Loans $176.13 million Deposits $227.60 million Equity Capital $31.20 million Loan Loss Allowance $3.64 million Unbacked Noncurrent Loans $10.31 million Real Estate Owned $30.48 million Historic Data - December 2010 Assets $294.88 million Equity Capital $29.56 million Loan Loss Allowance $4.40 million Unbacked Noncurrent Loans $18.52 million Real Estate Owned $20.74 million Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets -0.09% Return on Equity -0.8% Interest Income $13.05 million

Institution Health Overall Score: 2 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 of Minnesota had $40.79 million in non-current loans and owned real-estate with $34.84 million in equity and loan loss allowances on hand to cover it. This gives American National Bank of Minnesota a Texas Ratio of 117.08% which is poor. 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 of Minnesota held steady from 115.58% as of December 31, 2010 to 117.08% as of December 31, 2011, resulting in a negative change of 1.29%. This indicates that the balance sheet and financial strength for American National Bank of Minnesota has held steady in recent periods. Deposit Growth In the past year, American National Bank of Minnesota has decreased its total deposits by -$14.56 million, resulting in -6.01% 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 of Minnesota has shown is poor. 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 of Minnesota has $278.81 million in assets with $34.84 million in equity, resulting in a capitalization level of 12.50%, which is excellent.

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