American Continental Bank

American Continental Bank is headquartered in City Of Industry and is the 196^th largest bank in the state of California. It is also the 4,236^th largest bank in the nation. It was established in 2003 and as of December of 2011, it had grown to 26 employees at 3 locations. American Continental Bank has a 3-star health rating.

American Continental Bank Routing Number: 122243583

Data for Q4 2011

Institution Statistics American Continental Bank FDIC Certificate # 57444 BankRate Report View Year Established 2003 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $129.08 million Loans $86.76 million Deposits $108.53 million Equity Capital $19.12 million Loan Loss Allowance $2.23 million Unbacked Noncurrent Loans $5.24 million Real Estate Owned $3.06 million Historic Data - December 2010 Assets $129.13 million Equity Capital $18.37 million Loan Loss Allowance $2.84 million Unbacked Noncurrent Loans $9.36 million Real Estate Owned $224,000 Profit Margin - Quarterly Net Interest Margin 3.21% Return on Assets 0.46% Return on Equity 3.21% Interest Income $5.32 million

Institution Health Overall Score: 3 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 Continental Bank had $8.31 million in non-current loans and owned real-estate with $21.35 million in equity and loan loss allowances on hand to cover it. This gives American Continental Bank a Texas Ratio of 38.90% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Continental Bank decreased slightly from 47.89% as of December 31, 2010 to 38.90% as of December 31, 2011, resulting in a positive change of 18.78%.This indicates that the balance sheet and financial strength for American Continental Bank has improved slightly in recent periods. Deposit Growth In the past year, American Continental Bank has decreased its total deposits by $-573,000, resulting in -0.53% 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 Continental Bank 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 Continental Bank has $129.08 million in assets with $21.35 million in equity, resulting in a capitalization level of 16.54%, which is excellent.

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