Ameristate Bank

Ameristate Bank is headquartered in Atoka and is the 76^th largest bank in the state of Oklahoma. It is also the 3,253^rd largest bank in the nation. It was established in 1906 and as of December of 2011, it had grown to 65 employees at 4 locations. Ameristate Bank has a 3-star health rating.

Ameristate Bank Routing Number: 103102452

Data for Q4 2011

Institution Statistics Ameristate Bank FDIC Certificate # 15510 BankRate Report View Year Established 1906 Employees 65 Primary Regulator FED Assets and Liabilities Assets $187.94 million Loans $123.58 million Deposits $164.56 million Equity Capital $16.62 million Loan Loss Allowance $2.30 million Unbacked Noncurrent Loans $243,000 Real Estate Owned $3.42 million Historic Data - December 2010 Assets $197.85 million Equity Capital $16.09 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $4.62 million Real Estate Owned $2.28 million Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 1.03% Return on Equity 12.01% Interest Income $9.20 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 Ameristate Bank had $3.66 million in non-current loans and owned real-estate with $18.92 million in equity and loan loss allowances on hand to cover it. This gives Ameristate Bank a Texas Ratio of 19.36% 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 Ameristate Bank decreased significantly from 38.28% as of December 31, 2010 to 19.36% as of December 31, 2011, resulting in a positive change of 49.43%.This indicates that the balance sheet and financial strength for Ameristate Bank has improved significantly in recent periods. Deposit Growth In the past year, Ameristate Bank has decreased its total deposits by -$9 million, resulting in -5.18% 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 Ameristate Bank 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. Ameristate Bank has $187.94 million in assets with $18.92 million in equity, resulting in a capitalization level of 10.07%, which is above average.

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