Institution Statistics
| American Pride Bank | | FDIC Certificate # | 58584 | | BankRate Report | View | | Year Established | 2007 | | Employees | 25 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $114.03 million | | Loans | $70.92 million | | Deposits | $78.67 million | | Equity Capital | $23.72 million | | Loan Loss Allowance | $1.06 million | | Unbacked Noncurrent Loans | $2.63 million | | Real Estate Owned | $225,000 |
Historic Data - December 2010 | | Assets | $105.81 million | | Equity Capital | $22.23 million | | Loan Loss Allowance | $892,000 | | Unbacked Noncurrent Loans | $978,000 | | Real Estate Owned | $250,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.46% | | Return on Assets | 0.76% | | Return on Equity | 3.69% | | Interest Income | $5.67 million |
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Institution Health
Overall Score:
4 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 Pride Bank had $2.85 million in non-current loans and owned real-estate with $24.77 million in equity and loan loss allowances on hand to cover it. This gives American Pride Bank a Texas Ratio of 11.50% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for American Pride Bank increased slightly from 5.31% as of December 31, 2010 to 11.50% as of December 31, 2011, resulting in a negative change of 116.63%. This indicates that the balance sheet and financial strength for American Pride Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, American Pride Bank has increased its total deposits by $6.26 million, resulting in 8.65% 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 Pride 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 Pride Bank has $114.03 million in assets with $24.77 million in equity, resulting in a capitalization level of 21.72%, which is excellent. |
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