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Overview / Commentary
213-430-4000
523 West 6th Street, Suite 900
Los Angeles, CA 90014

American Business Bank is headquartered in Los Angeles and is the 44th largest bank in the state of California. It is also the 493rd largest bank in the nation. It was established in 1998 and as of March of 2014, it had grown to 104 employees at 1 location. American Business Bank has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 American Business Bank had $29,000 in non-current loans and owned real-estate with $115.09 million in equity and loan loss allowances on hand to cover it. This gives American Business Bank a Texas Ratio of 0.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for American Business Bank decreased dramatically from 0.85% as of March 31, 2013 to 0.03% as of March 31, 2014, resulting in a positive change of 97.04%.This indicates that the balance sheet and financial strength for American Business Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, American Business Bank has increased its total deposits by $129.49 million, resulting in 11.62% 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 Business Bank has shown is excellent.

Capitalization

GRADE:
C

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 Business Bank has $1.39 billion in assets with $115.09 million in equity, resulting in a capitalization level of 8.26%, which is average.

Institution Statistics

Overall
FDIC Certificate #34788
Year Established1998
Employees104
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.39 billion
Loans$588.07 million
Deposits$1.24 billion
Equity Capital$103.43 million
Loan Loss Allowance$11.66 million
Unbacked Noncurrent Loans$29,000
Real Estate Owned$0
Historic Data - March 2013
Assets$1.30 billion
Equity Capital$104.56 million
Loan Loss Allowance$10.21 million
Unbacked Noncurrent Loans$29,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.14%
Return on Assets0.79%
Return on Equity10.82%
Interest Income$10.46 million
Rates

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Locations


American Business Bank Locations
American Business Bank523 West 6th Street, Suite 900Los Angeles, CA 90014