American Bank & Trust
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 11.5. A current level of 3.0 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (6.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (17%), comm loans (13%), securities (13%), cash (8%), home mtgs (6%), consumer loans (1%), home eq lns (1%), other (41%)
States with Branches:
MN, ND, SD
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Leackco Bank Holding Company, Inc.
Investment Rating
--
Address
6810 South Minnesota Avenue,
Sioux Falls, SD 57108
Sioux Falls, SD 57108
Phone Number
(605) 961-3911
Year Founded
1892
FDIC Number
Website
Largest Affiliates
No affiliate information available.