American State Bank & Trust Company of Williston

American State Bank & Trust Company of Williston is headquartered in Williston and is the 15^st largest bank in the state of North Dakota. It is also the 1,426^th largest bank in the nation. It was established in 1936 and as of December of 2011, it had grown to 77 employees at 2 locations. American State Bank & Trust Company of Williston has a 5-star health rating.

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Data for Q4 2011

Institution Statistics American State Bank & Trust Company of Williston FDIC Certificate # 15444 BankRate Report View Year Established 1936 Employees 77 Primary Regulator FDIC Assets and Liabilities Assets $467.13 million Loans $193.69 million Deposits $417.39 million Equity Capital $37.23 million Loan Loss Allowance $4.06 million Unbacked Noncurrent Loans $1.45 million Historic Data - December 2010 Assets $392.77 million Equity Capital $26.88 million Loan Loss Allowance $3.25 million Unbacked Noncurrent Loans $1.97 million Real Estate Owned $299,000 Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 2.07% Return on Equity 26.86% Interest Income $16.68 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 & Trust Company of Williston had $1.45 million in non-current loans and owned real-estate with $41.29 million in equity and loan loss allowances on hand to cover it. This gives American State Bank & Trust Company of Williston a Texas Ratio of 3.50% 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 & Trust Company of Williston decreased significantly from 6.80% as of December 31, 2010 to 3.50% as of December 31, 2011, resulting in a positive change of 48.51%.This indicates that the balance sheet and financial strength for American State Bank & Trust Company of Williston has improved significantly in recent periods. Deposit Growth In the past year, American State Bank & Trust Company of Williston has increased its total deposits by $68.71 million, resulting in 19.7% 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 & Trust Company of Williston 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 & Trust Company of Williston has $467.13 million in assets with $41.29 million in equity, resulting in a capitalization level of 8.84%, which is average.

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