Institution Statistics
| American Bank of Missouri | | FDIC Certificate # | 15423 | | BankRate Report | View | | Year Established | 1880 | | Employees | 37 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $103.93 million | | Loans | $78.90 million | | Deposits | $81.06 million | | Equity Capital | $15.08 million | | Loan Loss Allowance | $1.40 million | | Unbacked Noncurrent Loans | $1.89 million | | Real Estate Owned | $1.84 million |
Historic Data - December 2010 | | Assets | $106.36 million | | Equity Capital | $14.73 million | | Loan Loss Allowance | $1.63 million | | Unbacked Noncurrent Loans | $2.59 million | | Real Estate Owned | $2.95 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.91% | | Return on Assets | 0.2% | | Return on Equity | 1.39% | | Interest Income | $5.43 million |
|
|
Institution Health
Overall Score:
4 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 American Bank of Missouri had $3.72 million in non-current loans and owned real-estate with $16.47 million in equity and loan loss allowances on hand to cover it. This gives American Bank of Missouri a Texas Ratio of 22.61% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for American Bank of Missouri decreased slightly from 33.86% as of December 31, 2010 to 22.61% as of December 31, 2011, resulting in a positive change of 33.23%.This indicates that the balance sheet and financial strength for American Bank of Missouri has improved slightly in recent periods. | | Deposit Growth | | | In the past year, American Bank of Missouri has decreased its total deposits by $-403,000, resulting in -0.49% 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 American Bank of Missouri has shown is average. | | 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. American Bank of Missouri has $103.93 million in assets with $16.47 million in equity, resulting in a capitalization level of 15.85%, which is excellent. |
|
