The American Bank

The American Bank is headquartered in Wagoner and is the 221^st largest bank in the state of Oklahoma. It is also the 6,980^th largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 14 employees at 1 location. The American Bank has a 4-star health rating.

The American Bank Routing Number: 103112031

Data for Q1 2012

Institution Statistics The American Bank FDIC Certificate # 2312 BankRate Report View Year Established 1927 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $28.91 million Loans $7.11 million Deposits $22.51 million Equity Capital $6.16 million Loan Loss Allowance $266,000 Unbacked Noncurrent Loans $480,000 Historic Data - March 2011 Assets $29.40 million Equity Capital $6.07 million Loan Loss Allowance $235,000 Unbacked Noncurrent Loans $12,000 Profit Margin - Quarterly Net Interest Margin 3.43% Return on Assets 0.39% Return on Equity 1.82% Interest Income $238,000

Institution Health Overall Score: 4 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 March 31, 2012 The American Bank had $480,000 in non-current loans and owned real-estate with $6.43 million in equity and loan loss allowances on hand to cover it. This gives The American Bank a Texas Ratio of 7.47% 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 The American Bank increased slightly from 0.19% as of March 31, 2011 to 7.47% as of March 31, 2012, resulting in a negative change of 3,826.56%. This indicates that the balance sheet and financial strength for The American Bank has declined slightly in recent periods. Deposit Growth In the past year, The American Bank has decreased its total deposits by $-560,000, resulting in -2.43% 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 The American Bank has shown is below 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. The American Bank has $28.91 million in assets with $6.43 million in equity, resulting in a capitalization level of 22.23%, which is excellent.

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