The American National Bank of Beaver Dam

The American National Bank of Beaver Dam is headquartered in Beaver Dam and is the 170^th largest bank in the state of Wisconsin. It is also the 4,663^rd largest bank in the nation. It was established in 1891 and as of March of 2012, it had grown to 40 employees at 5 locations. The American National Bank of Beaver Dam has a 3-star health rating.

The American National Bank of Beaver Dam CD Rates

The American National Bank of Beaver Dam IRA Rates

Data for Q1 2012

Institution Statistics The American National Bank of Beaver Dam FDIC Certificate # 5283 BankRate Report View Year Established 1891 Employees 40 Primary Regulator OCC Assets and Liabilities Assets $112.30 million Loans $67.54 million Deposits $100.17 million Equity Capital $11.83 million Loan Loss Allowance $932,000 Unbacked Noncurrent Loans $2.44 million Real Estate Owned $1.99 million Historic Data - March 2011 Assets $110.45 million Equity Capital $10.81 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $2.83 million Real Estate Owned $2.82 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 1.49% Return on Equity 14.2% Interest Income $1.11 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 March 31, 2012 The American National Bank of Beaver Dam had $4.43 million in non-current loans and owned real-estate with $12.76 million in equity and loan loss allowances on hand to cover it. This gives The American National Bank of Beaver Dam a Texas Ratio of 34.70% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The American National Bank of Beaver Dam decreased slightly from 47.80% as of March 31, 2011 to 34.70% as of March 31, 2012, resulting in a positive change of 27.41%.This indicates that the balance sheet and financial strength for The American National Bank of Beaver Dam has improved slightly in recent periods. Deposit Growth In the past year, The American National Bank of Beaver Dam has increased its total deposits by $852,000, resulting in 0.86% 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 National Bank of Beaver Dam has shown is 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 National Bank of Beaver Dam has $112.3 million in assets with $12.76 million in equity, resulting in a capitalization level of 11.36%, which is above average.

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