American Business Bank

American Business Bank is headquartered in Los Angeles and is the 45^th largest bank in the state of California. It is also the 554^th largest bank in the nation. It was established in 1998 and as of December of 2011, it had grown to 94 employees at 1 location. American Business Bank has a 5-star health rating.

Data for Q4 2011

Institution Statistics American Business Bank FDIC Certificate # 34788 BankRate Report View Year Established 1998 Employees 94 Primary Regulator FDIC Assets and Liabilities Assets $1.17 billion Loans $409.35 million Deposits $1.03 billion Equity Capital $86.97 million Loan Loss Allowance $8.93 million Unbacked Noncurrent Loans $2.24 million Historic Data - December 2010 Assets $1.01 billion Equity Capital $66.05 million Loan Loss Allowance $7.05 million Unbacked Noncurrent Loans $870,000 Profit Margin - Quarterly Net Interest Margin 3.37% Return on Assets 0.9% Return on Equity 12.95% Interest Income $38.46 million

Institution Health Overall Score: 5 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 Business Bank had $2.24 million in non-current loans and owned real-estate with $95.9 million in equity and loan loss allowances on hand to cover it. This gives American Business Bank a Texas Ratio of 2.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Business Bank held steady from 1.70% as of December 31, 2010 to 2.33% as of December 31, 2011, resulting in a negative change of 36.96%. This indicates that the balance sheet and financial strength for American Business Bank has held steady in recent periods. Deposit Growth In the past year, American Business Bank has increased its total deposits by $152.93 million, resulting in 17.44% 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 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 $1.17 billion in assets with $95.9 million in equity, resulting in a capitalization level of 8.16%, which is average.

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