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773-769-6868
4878 North Broadway
Chicago, IL 60640

American Metro Bank is headquartered in Chicago and is the 393rd largest bank in the state of Illinois. It is also the 5,461st largest bank in the nation. It was established in 1997 and as of December of 2013, it had grown to 16 employees at 3 locations. American Metro Bank has a F health rating.

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Health

Data for Q4 2013

Institution Health

F
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. American Metro Bank has a relatively low asset base.

Texas Ratio

GRADE:
F

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 Metro Bank had $16.69 million in non-current loans and owned real-estate with $7.4 million in equity and loan loss allowances on hand to cover it. This gives American Metro Bank a Texas Ratio of 225.43% which is poor. 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 Metro Bank decreased dramatically from 342.79% as of December 31, 2012 to 225.43% as of December 31, 2013, resulting in a positive change of 34.24%.This indicates that the balance sheet and financial strength for American Metro Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
F

In the past year, American Metro Bank has decreased its total deposits by -$10.67 million, resulting in -15.66% 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

GRADE:
B+

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 $70.5 million in assets with $7.4 million in equity, resulting in a capitalization level of 10.50%, which is above average.

Institution Statistics

Overall
FDIC Certificate #34334
Year Established1997
Employees16
Primary RegulatorFDIC
Assets and Liabilities
Assets$70.50 million
Loans$42.96 million
Deposits$57.47 million
Equity Capital$5.54 million
Loan Loss Allowance$1.87 million
Unbacked Noncurrent Loans$11.41 million
Real Estate Owned$5.29 million
Historic Data - December 2012
Assets$79.53 million
Equity Capital$3.68 million
Loan Loss Allowance$3.02 million
Unbacked Noncurrent Loans$11.41 million
Real Estate Owned$13.19 million
Profit Margin - Quarterly
Net Interest Margin2.97%
Return on Assets-5.14%
Return on Equity-102.61%
Interest Income$2.46 million
Rates

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Locations


American Metro Bank Locations
Chinatown Branch2144 A South Archer AvenueChicago, IL 60616
American Metro Bank4878 North BroadwayChicago, IL 60640
West Fullerton Branch4903 West Fullerton AvenueChicago, IL 60639