The American National Bank of Texas

The American National Bank of Texas is headquartered in Terrell and is the 22^nd largest bank in the state of Texas. It is also the 339^th largest bank in the nation. It was established in 1981 and as of March of 2012, it had grown to 553 employees at 28 locations. The American National Bank of Texas has a 5-star health rating.

The American National Bank of Texas Routing Number: 111916591

Data for Q1 2012

Institution Statistics The American National Bank of Texas FDIC Certificate # 23474 BankRate Report View Year Established 1981 Employees 553 Primary Regulator OCC Assets and Liabilities Assets $2.09 billion Loans $1.11 billion Deposits $1.85 billion Equity Capital $215.22 million Loan Loss Allowance $25.58 million Unbacked Noncurrent Loans $18.56 million Real Estate Owned $3.81 million Historic Data - March 2011 Assets $1.93 billion Equity Capital $194.45 million Loan Loss Allowance $27.95 million Unbacked Noncurrent Loans $34.39 million Real Estate Owned $13.98 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 0.88% Return on Equity 8.98% Interest Income $19.32 million

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 March 31, 2012 The American National Bank of Texas had $22.37 million in non-current loans and owned real-estate with $240.8 million in equity and loan loss allowances on hand to cover it. This gives The American National Bank of Texas a Texas Ratio of 9.29% which is above 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 Texas decreased significantly from 21.75% as of March 31, 2011 to 9.29% as of March 31, 2012, resulting in a positive change of 57.29%.This indicates that the balance sheet and financial strength for The American National Bank of Texas has improved significantly in recent periods. Deposit Growth In the past year, The American National Bank of Texas has increased its total deposits by $136.09 million, resulting in 7.95% 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 Texas 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. The American National Bank of Texas has $2.09 billion in assets with $240.8 million in equity, resulting in a capitalization level of 11.53%, which is above average.

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