Institution Statistics
| AMG National Trust Bank | | FDIC Certificate # | 57295 | | BankRate Report | View | | Year Established | 2001 | | Employees | 111 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $198.43 million | | Loans | $45.08 million | | Deposits | $177.84 million | | Equity Capital | $18.45 million | | Loan Loss Allowance | $403,000 |
Historic Data - December 2010 | | Assets | $156.84 million | | Equity Capital | $16.65 million | | Loan Loss Allowance | $206,000 |
Profit Margin - Quarterly | | Net Interest Margin | 1.2% | | Return on Assets | 1.35% | | Return on Equity | 15.94% | | Interest Income | $2.46 million |
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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 AMG National Trust Bank had $0 in non-current loans and owned real-estate with $18.85 million in equity and loan loss allowances on hand to cover it. This gives AMG National Trust Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, AMG National Trust Bank has increased its total deposits by $40.74 million, resulting in 29.72% 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 AMG National Trust Bank 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. AMG National Trust Bank has $198.42 million in assets with $18.85 million in equity, resulting in a capitalization level of 9.50%, which is average. |
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