Institution Statistics
| Alamerica Bank | | FDIC Certificate # | 35314 | | BankRate Report | View | | Year Established | 2000 | | Employees | 7 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $33.51 million | | Loans | $16.88 million | | Deposits | $20.12 million | | Equity Capital | $8.26 million | | Loan Loss Allowance | $423,000 | | Unbacked Noncurrent Loans | $3.07 million | | Real Estate Owned | $3.97 million |
Historic Data - December 2010 | | Assets | $37.47 million | | Equity Capital | $8.58 million | | Loan Loss Allowance | $242,000 | | Unbacked Noncurrent Loans | $2.09 million | | Real Estate Owned | $4.38 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.8% | | Return on Assets | -1.06% | | Return on Equity | -4.35% | | Interest Income | $1.52 million |
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Institution Health
Overall Score:
2 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 December 31, 2011 Alamerica Bank had $7.04 million in non-current loans and owned real-estate with $8.68 million in equity and loan loss allowances on hand to cover it. This gives Alamerica Bank a Texas Ratio of 81.02% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Alamerica Bank held steady from 73.37% as of December 31, 2010 to 81.02% as of December 31, 2011, resulting in a negative change of 10.43%. This indicates that the balance sheet and financial strength for Alamerica Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Alamerica Bank has decreased its total deposits by -$1.6 million, resulting in -7.37% 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 Alamerica Bank has shown is poor. | | 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. Alamerica Bank has $33.51 million in assets with $8.68 million in equity, resulting in a capitalization level of 25.91%, which is excellent. |
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