American Bank & Trust Company, Inc. in Bowling Green, Kentucky (KY)



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American Bank & Trust Company, Inc. routing number info

Table of contents:
American Bank & Trust Company, Inc.
GeneralFDIC Certificate #: 35568
Status: Active
Federal Reserve ID: 2919898
Bank Holding Company (Regulatory Top Holder): Ambanc Holding Company, Inc. (RSSDID: 3011829, Location: Bowling Green, KY)
Date Established: July 05, 2000
WWW: http://www.ambanking.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 81679
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: July 05, 2000
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 1302 Scottsville Road, Bowling Green, KY 42103
County: Warren
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Bowling Green, KY (#14540)
CBSA Metro Statistical Area: Bowling Green, KY (#14540)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $239.8 mil
Equity capital: $21.9 mil
Deposits held in domestic offices: $215.2 mil
Return on assets (ROA): 1.50% ($3.6 mil)
Quarterly return on assets: 1.84% ($4.4 mil)
Return on Equity (ROE): 16.96% ($3.7 mil)
Quarterly return on equity: 20.20% ($4.4 mil)
Net income: $3.5 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.50% ($3,597.2 mil)
Quarterly Pretax return on assets: 1.84% ($4,412.6 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)61
Total assets$239,814
Cash and due from depository institutions$9,012
Interest-bearing balances$3,497
Securities$25,959
Federal funds sold & reverse repurchase agreements$6,794
Net loans & leases$191,036
Loan loss allowance $2,716
Trading account assets$0
Bank premises and fixed assets$3,751
Other real estate owned$898
Goodwill and other intangibles$0
All other assets$2,364
Life insurance assets$239,814
Total liabilities and capital$217,895
Total liabilities$215,161
Total deposits$190,293
Interest-bearing deposits$215,161
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $734
All other liabilities $21,919
Total equity capital$21,919
Total bank equity capital$21,919
Perpetual preferred stock$0
Common stock$1,200
Surplus$10,583
Undivided profits $10,136
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $753
Income earned, not collected on loans $780
Earning assets $0
Long-term assets (5+ years) $741
Average Assets, year-to-date $227,286
Average Assets, quarterly $34,885
Volatile liabilities $235,680
Insider loans $237,834
FHLB advances $171,060
Loans and leases held for sale $236,768
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $21,489
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $19,073
Derivatives$3,667
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,540
Total interest expense $3,604
Net interest income $8,936
Provision for loan and lease losses $414
Total noninterest income $1,388
Fiduciary activities $0
Service charges on deposit accounts $443
Trading account gains & fees $0
Additional noninterest income $945
Total noninterest expense $6,532
Salaries and employee benefits $3,596
Premises and equipment expense $513
Additional noninterest expense $2,423
Pre-tax net operating income $3,378
Securities gains (losses) $163
Applicable income taxes $0
Income before extraordinary items $3,541
Extraordinary gains - net $0
Net income attributable to bank $3,541
Net charge-offs $0
Cash dividends $3,541
Sale, conversion, retirement of capital stock, net $469
Net operating income $1,818
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.61%
Cost of funding earning assets 1.61%
Net interest margin 4.00%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 2.92%
Net operating income to assets 1.43%
Return on assets (ROA) 1.50%
Pretax return on assets 1.50%
Return on equity (ROE) 16.96%
Retained earnings to average equity (YTD only) 8.25%
Net charge-offs to loans 0.24%
Credit loss provision to net charge-offs 88.27%
Efficiency ratio8.09%
Assets per employee$63,270
Cash dividends to net income (YTD only)3.93%
Condition Ratios (%)
Loss allowance to loans 51.34%
Loss allowance to noncurrent loans 1.40%
Noncurrent assets plus other real estate owned to assets 348.21%
Noncurrent loans to loans 0.70%
Net loans and leases to deposits0.40%
Net loans and leases to core deposits 88.79%
Equity capital to assets 96.40%
Core capital (leverage) ratio 9.14%
Tier 1 risk-based capital ratio 9.08%
Total risk-based capital ratio 12.56%
Memoranda
Average assets$14
Average earning assets$235,680
Average equity $20,879
Average loans $223,456
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4 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
081679American Bank & Trust Company, Inc.1302 Scottsville Road, Bowling Green, KY 42103July 05, 2000Full Service Brick and Mortar
1442643Nashville Road Branch3011 Nashville Road, Bowling Green, KY 42102September 15, 2004Full Service Brick and Mortar
2442644Louisville Road Branch3411 Louisville Road, Bowling Green, KY 42102October 22, 2004Full Service Brick and Mortar
3478293Fairview Ave Branch1115 Fairview Avenue, Bowling Green, KY 42102Febuary 01, 2008Full Service Brick and Mortar
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