American Plus Bank

630 West Duarte Road
Arcadia, CA 91007
(626) 821-9188
www.bankaplus.com

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American Plus Bank is headquartered in Arcadia and is the 135^th largest bank in the state of California. It is also the 2,701^st largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 33 employees at 2 locations. American Plus Bank's money market rates are 55% higher than the national average, and it boasts a 5-star health rating.

Top CD & Savings Account Rates at American Plus Bank in CA - Local Only - 12/27/2011

Like many banks, deposit rates have fallen at American Plus Bank, N.A. since September when I last reviewed this bank. However, it continues to offer competitive rates on its mid-term CDs. The three b ...

Top CD & Savings Account Rates at American Plus Bank in CA - Local Only - 9/29/2011

American Plus Bank, N.A. continues to offer competitive rates on its mid-term CDs. The two best are the 1.26% APY 1-year CD and the 1.46% APY 2-year CD. Minimum deposit is $1,000. These rates are list ...

2.15% 24-Mo & 1.69% 12-Mo CD At American Plus Bank In SoCal (Forum) - 6/5/2010

American Plus Bank's short-term CD rates are also competitive: 1.49% APY for 270 days and 1.39% APY for 180 days. Minimum deposit is $1,000. Branches are located in the suburbs of Los Angeles in the cities of Arcadia and Rowland Heights. Ratings for saf

Competitive CDs and Money Market Account at American Plus Bank in CA - Local Only - 1/29/2010

American Plus Bank, N.A. continues to offer competitive rates on its short-term and mid-term CDs. These include a 1.64% APY 6-month CD, a 1.90% APY 12-month CD and a 2.27% APY 24-month CD. Minimum de ...

2009

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See Rates for: Checking | Savings | Money Market | CD

American Plus Bank Checking Account Rates

Apy	Min	Max	Product
0.20%	-	-	Personal NOW Account
0.20%	-	-	Business NOW Account
0.20%	-	-	Attorney Client Trust

American Plus Bank Savings Account Rates

Apy	Min	Max	Product
1.00%	$100k	-	Personal Savings
1.00%	$100k	-	Business Savings

American Plus Bank Money Market Rates

Apy	Min	Max	Product
0.88%	$50k	-	Personal Money Market Account
0.88%	$50k	-	Business Money Market Account

American Plus Bank CD Rates

Apy	Min	Max	Product
1.31%	$10k	-	60 Month CD
1.21%	$10k	-	24 - 59 Month CD
1.11%	$10k	-	12 - 23 Month CD
1.00%	$10k	-	270 - 364 Day CD
0.95%	$10k	-	180 - 269 Day CD
0.90%	$10k	-	150 - 179 Day CD
0.80%	$10k	-	120 - 149 Day CD
0.70%	$1k	-	90 - 119 Day CD
0.60%	$1k	-	31 - 89 Days CD
0.50%	$1k	-	7 - 30 Days CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

American Plus Bank, N.A.
FDIC Certificate #	58469
BankRate Report	View
Year Established	2007
Employees	33
Primary Regulator	OCC
Assets and Liabilities
Assets	$237.56 million
Loans	$213.96 million
Deposits	$189.90 million
Equity Capital	$24.06 million
Loan Loss Allowance	$3.47 million
Unbacked Noncurrent Loans	$1.30 million
Real Estate Owned	$850,000
Historic Data - March 2011
Assets	$156.28 million
Equity Capital	$21.44 million
Loan Loss Allowance	$2.27 million
Unbacked Noncurrent Loans	$2.15 million
Profit Margin - Quarterly
Net Interest Margin	4.2%
Return on Assets	1.05%
Return on Equity	10%
Interest Income	$2.84 million

Institution Health

Overall Score:

5 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 March 31, 2012 American Plus Bank had $2.15 million in non-current loans and owned real-estate with $27.53 million in equity and loan loss allowances on hand to cover it. This gives American Plus Bank a Texas Ratio of 7.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for American Plus Bank held steady from 9.05% as of March 31, 2011 to 7.80% as of March 31, 2012, resulting in a positive change of 13.88%.This indicates that the balance sheet and financial strength for American Plus Bank has held steady in recent periods.
Deposit Growth
In the past year, American Plus Bank has increased its total deposits by $61.56 million, resulting in 47.96% 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 Plus 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 Plus Bank has $237.56 million in assets with $27.53 million in equity, resulting in a capitalization level of 11.59%, which is above average.