American Momentum Bank

American Momentum Bank is headquartered in Tampa and is the 26^th largest bank in the state of Florida. It is also the 706^th largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 167 employees at 22 locations. American Momentum Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics American Momentum Bank FDIC Certificate # 58309 BankRate Report View Year Established 2006 Employees 167 Primary Regulator FDIC Assets and Liabilities Assets $934.09 million Loans $740.81 million Deposits $728.12 million Equity Capital $150.52 million Loan Loss Allowance $8.42 million Unbacked Noncurrent Loans $48.19 million Real Estate Owned $22.88 million Historic Data - December 2010 Assets $663.90 million Equity Capital $146.73 million Loan Loss Allowance $7.39 million Unbacked Noncurrent Loans $19.27 million Profit Margin - Quarterly Net Interest Margin 4.92% Return on Assets 0.43% Return on Equity 2.18% Interest Income $38.59 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 Momentum Bank had $71.06 million in non-current loans and owned real-estate with $158.94 million in equity and loan loss allowances on hand to cover it. This gives American Momentum Bank a Texas Ratio of 44.71% 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 Momentum Bank increased slightly from 12.51% as of December 31, 2010 to 44.71% as of December 31, 2011, resulting in a negative change of 257.53%. This indicates that the balance sheet and financial strength for American Momentum Bank has declined slightly in recent periods. Deposit Growth In the past year, American Momentum Bank has increased its total deposits by $238.41 million, resulting in 48.68% 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 Momentum 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 Momentum Bank has $934.09 million in assets with $158.94 million in equity, resulting in a capitalization level of 17.01%, which is excellent.

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