American State Bank & Trust Company

American State Bank & Trust Company is headquartered in Great Bend and is the 37^th largest bank in the state of Kansas. It is also the 2,002^nd largest bank in the nation. It was established in 2001 and as of December of 2011, it had grown to 54 employees at 6 locations. American State Bank & Trust Company has a 5-star health rating.

Data for Q4 2011

Institution Statistics American State Bank & Trust Company FDIC Certificate # 57144 BankRate Report View Year Established 2001 Employees 54 Primary Regulator FED Assets and Liabilities Assets $322.03 million Loans $133.30 million Deposits $231.02 million Equity Capital $31.77 million Loan Loss Allowance $2.24 million Unbacked Noncurrent Loans $1.36 million Historic Data - December 2010 Assets $288.58 million Equity Capital $35.03 million Loan Loss Allowance $2.32 million Unbacked Noncurrent Loans $1.39 million Real Estate Owned $805,000 Profit Margin - Quarterly Net Interest Margin 3.04% Return on Assets 0.8% Return on Equity 6.96% Interest Income $10.54 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 had $1.36 million in non-current loans and owned real-estate with $34.01 million in equity and loan loss allowances on hand to cover it. This gives American State Bank & Trust Company a Texas Ratio of 4.00% 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 decreased slightly from 5.89% as of December 31, 2010 to 4.00% as of December 31, 2011, resulting in a positive change of 32.07%.This indicates that the balance sheet and financial strength for American State Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, American State Bank & Trust Company has increased its total deposits by $9.68 million, resulting in 4.37% 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 has shown is above average. 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 has $322.03 million in assets with $34.01 million in equity, resulting in a capitalization level of 10.56%, which is above average.

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