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225-368-2500
11307 Coursey Boulevard
Baton Rouge, LA 70816

American Gateway Bank is headquartered in Baton Rouge and is the 32nd largest bank in the state of Louisiana. It is also the 1,714st largest bank in the nation. It was established in 1905 and as of December of 2013, it had grown to 99 employees at 10 locations. American Gateway Bank has a B health rating.

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Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

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, 2013 American Gateway Bank had $8.16 million in non-current loans and owned real-estate with $43.48 million in equity and loan loss allowances on hand to cover it. This gives American Gateway Bank a Texas Ratio of 18.76% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for American Gateway Bank decreased slightly from 21.66% as of December 31, 2012 to 18.76% as of December 31, 2013, resulting in a positive change of 13.41%.This indicates that the balance sheet and financial strength for American Gateway Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
C+

In the past year, American Gateway Bank has decreased its total deposits by -$1.96 million, resulting in -0.71% 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 Gateway Bank has shown is average.

Capitalization

GRADE:
A

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 Gateway Bank has $383.6 million in assets with $43.48 million in equity, resulting in a capitalization level of 11.33%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #313
Year Established1905
Employees99
Primary RegulatorFDIC
Assets and Liabilities
Assets$383.60 million
Loans$171.68 million
Deposits$275.18 million
Equity Capital$41.37 million
Loan Loss Allowance$2.11 million
Unbacked Noncurrent Loans$6.51 million
Real Estate Owned$1.65 million
Historic Data - December 2012
Assets$404.33 million
Equity Capital$42.80 million
Loan Loss Allowance$3.35 million
Unbacked Noncurrent Loans$6.51 million
Real Estate Owned$4.11 million
Profit Margin - Quarterly
Net Interest Margin3.25%
Return on Assets0.49%
Return on Equity4.51%
Interest Income$14.85 million
Rates

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Locations


American Gateway Bank Locations
Perkins Road Branch10725 Perkins RoadBaton Rouge, LA 70810
American Gateway Bank11307 Coursey BoulevardBaton Rouge, LA 70816
Gonzales Branch1821 West Highway 30Gonzales, LA 70737
Zachary Branch1858 Church StreetZachary, LA 70791
Denham Springs Branch31635 Louisiana Highway 16Denham Springs, LA 70726
Port Allen Branch320 North Alexander AvenuePort Allen, LA 70767
Florida St Branch4944 Florida StreetBaton Rouge, LA 70806
Jefferson Highway Branch7880 Jefferson HighwayBaton Rouge, LA 70809
Brusly BranchEast Service Road and La. Highway 1Brusly, LA 70719
Erwinville BranchU.S. Highway 190 and La. Highway 413Erwinville, LA 70729