American Plus Bank, N.A. is headquartered in Arcadia and is the 120th largest bank in the state of California. It is also the 2,271st largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 40 employees at 2 locations. American Plus Bank, N.A.'s money market rates are 36% higher than the national average, and it has a B+ health rating.
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The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 American Plus Bank, N.A. had $4.26 million in non-current loans and owned real-estate with $46.52 million in equity and loan loss allowances on hand to cover it. This gives American Plus Bank, N.A. a Texas Ratio of 9.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for American Plus Bank, N.A. experienced no significant changes from 6.25% as of March 31, 2013 to 9.15% as of March 31, 2014, resulting in a negative change of 46.49%. This indicates that the balance sheet and financial strength for American Plus Bank, N.A. has had no significant changes in recent periods.
In the past year, American Plus Bank, N.A. has decreased its total deposits by -$22.64 million, resulting in -9.48% 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, N.A. has shown is below average.
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, N.A. has $284.44 million in assets with $46.52 million in equity, resulting in a capitalization level of 16.36%, which is excellent.
|FDIC Certificate #||58469|
|Assets and Liabilities|
|Equity Capital||$42.44 million|
|Loan Loss Allowance||$4.09 million|
|Unbacked Noncurrent Loans||$2.46 million|
|Real Estate Owned||$1.80 million|
|Historic Data - March 2013|
|Equity Capital||$27.86 million|
|Loan Loss Allowance||$3.97 million|
|Real Estate Owned||$1.99 million|
|Profit Margin - Quarterly|
|Net Interest Margin||3.73%|
|Return on Assets||2.51%|
|Return on Equity||17.21%|
|Interest Income||$3.03 million|
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|0.60%||$50k||-||Personal Money Market Account|
|0.60%||$50k||-||Business Money Market Account|
|0.20%||-||-||Personal NOW Account|
|0.20%||-||-||Business NOW Account|
|0.20%||-||-||Attorney Client Trust|
|1.75%||$1k||-||60 Month CD|
|1.00%||$1k||-||24 - 59 Month CD|
|0.85%||$1k||-||12 - 23 Month CD|
|0.80%||$1k||-||270 - 364 Day CD|
|0.70%||$1k||-||180 - 269 Day CD|
|0.60%||$1k||-||150 - 179 Day CD|
|0.50%||$1k||-||90 - 119 Day CD|
|0.50%||$1k||-||120 - 149 Day CD|
|0.40%||$1k||-||31 - 89 Days CD|
|0.30%||$1k||-||7 - 30 Days CD|
|American Plus Bank, N.A. Locations|
|Rowland Heights Branch||17506 Colima Road||Rowland Heights, CA 91748|
|American Plus Bank, N.A.||630 West Duarte Road||Arcadia, CA 91007|