American Metro Bank

American Metro Bank is headquartered in Chicago and is the 374^th largest bank in the state of Illinois. It is also the 5,324^th largest bank in the nation. It was established in 1997 and as of December of 2011, it had grown to 20 employees at 4 locations. American Metro Bank has a 1-star health rating.

American Metro Bank Routing Number: 071025645

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Data for Q4 2011

Institution Statistics American Metro Bank FDIC Certificate # 34334 BankRate Report View Year Established 1997 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $85.73 million Loans $53.21 million Deposits $73.90 million Equity Capital $4.36 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $8.46 million Real Estate Owned $14.00 million Historic Data - December 2010 Assets $94.32 million Equity Capital $7.18 million Loan Loss Allowance $2.16 million Unbacked Noncurrent Loans $13.96 million Real Estate Owned $5.62 million Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets -3.72% Return on Equity -63.93% Interest Income $3.55 million

Institution Health Overall Score: 1 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 Metro Bank had $22.46 million in non-current loans and owned real-estate with $6.88 million in equity and loan loss allowances on hand to cover it. This gives American Metro Bank a Texas Ratio of 326.44% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Metro Bank increased slightly from 209.88% as of December 31, 2010 to 326.44% as of December 31, 2011, resulting in a negative change of 55.54%. This indicates that the balance sheet and financial strength for American Metro Bank has declined slightly in recent periods. Deposit Growth In the past year, American Metro Bank has decreased its total deposits by -$5.29 million, resulting in -6.68% 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 Metro Bank has shown is poor. 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 Metro Bank has $85.73 million in assets with $6.88 million in equity, resulting in a capitalization level of 8.02%, which is average.

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