American National Bank & Trust
Major Rating Factors:
A current level of 8.5 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Fair asset quality (4.5). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.3) profitability.
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Asset Mix:
Comm re (36%), home mtgs (15%), cash (12%), securities (6%), comm loans (5%), consumer loans (1%), other (26%)
States with Branches:
TX
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
AmeriBancShares, Inc.
Investment Rating
--
Address
2732-A Midwestern Parkway
Wichita Falls, TX 76308
Wichita Falls, TX 76308
Phone Number
(940) 397-2300
Year Founded
1976
FDIC Number
Website
Largest Affiliates
No affiliate information available.