American State Bank (TX)

American State Bank (TX) is headquartered in Arp and is the 233^rd largest bank in the state of Texas. It is also the 2,999^th largest bank in the nation. It was established in 1911 and as of December of 2011, it had grown to 53 employees at 4 locations. American State Bank (TX) has a 3-star health rating.

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Data for Q4 2011

Institution Statistics American State Bank FDIC Certificate # 9967 BankRate Report View Year Established 1911 Employees 53 Primary Regulator FDIC Assets and Liabilities Assets $207.49 million Loans $120.85 million Deposits $157.31 million Equity Capital $38.04 million Loan Loss Allowance $1.37 million Unbacked Noncurrent Loans $2.53 million Real Estate Owned $3.42 million Historic Data - December 2010 Assets $249.50 million Equity Capital $27.67 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $864,000 Real Estate Owned $265,000 Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 1.74% Return on Equity 12.34% Interest Income $8.67 million

Institution Health Overall Score: 3 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 (TX) had $5.95 million in non-current loans and owned real-estate with $39.41 million in equity and loan loss allowances on hand to cover it. This gives American State Bank (TX) a Texas Ratio of 15.11% which is average. 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 (TX) increased slightly from 3.90% as of December 31, 2010 to 15.11% as of December 31, 2011, resulting in a negative change of 287.71%. This indicates that the balance sheet and financial strength for American State Bank (TX) has declined slightly in recent periods. Deposit Growth In the past year, American State Bank (TX) has decreased its total deposits by -$47.54 million, resulting in -23.21% 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 (TX) 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 State Bank (TX) has $207.49 million in assets with $39.41 million in equity, resulting in a capitalization level of 18.99%, which is excellent.

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