American State Bank (16701)

American State Bank (16701) is headquartered in Lubbock and is the 16^st largest bank in the state of Texas. It is also the 236^th largest bank in the nation. It was established in 1948 and as of December of 2011, it had grown to 584 employees at 46 locations. American State Bank (16701) has a 5-star health rating.

Data for Q4 2011

Institution Statistics American State Bank FDIC Certificate # 16701 BankRate Report View Year Established 1948 Employees 584 Primary Regulator FDIC Assets and Liabilities Assets $3.08 billion Loans $1.18 billion Deposits $2.46 billion Equity Capital $276.06 million Loan Loss Allowance $24.50 million Unbacked Noncurrent Loans $8.12 million Real Estate Owned $292,000 Historic Data - December 2010 Assets $2.69 billion Equity Capital $244.28 million Loan Loss Allowance $18.45 million Unbacked Noncurrent Loans $9.00 million Real Estate Owned $849,000 Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 1.48% Return on Equity 15.77% Interest Income $109.95 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 State Bank (16701) had $8.41 million in non-current loans and owned real-estate with $300.56 million in equity and loan loss allowances on hand to cover it. This gives American State Bank (16701) a Texas Ratio of 2.80% 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 State Bank (16701) decreased slightly from 3.37% as of December 31, 2010 to 2.80% as of December 31, 2011, resulting in a positive change of 16.92%.This indicates that the balance sheet and financial strength for American State Bank (16701) has improved slightly in recent periods. Deposit Growth In the past year, American State Bank (16701) has increased its total deposits by $302.43 million, resulting in 14.02% 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 State Bank (16701) 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 State Bank (16701) has $3.08 billion in assets with $300.56 million in equity, resulting in a capitalization level of 9.76%, which is average.

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