American Perspective Bank

American Perspective Bank Locations
4051 Broad Street, Suite 140
San Luis Obispo, CA 93401
www.americanperspectivebank.com



American Perspective Bank is headquartered in San Luis Obispo and is the 127th largest bank in the state of California. It is also the 2,472nd largest bank in the nation. It was established in 2007 and as of December of 2011, it had grown to 38 employees at 2 locations. American Perspective Bank has a 5-star health rating.

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Umpqua Bank To Buy California Bank American Perspective (Forum) - 4/11/2012

From The Register-Guard Umpqua Bank is expanding in California, with the acquisition of American Perspective Bank for about $44.7 million, Portland-based Umpqua announced Tuesday Read more


Data for Q4 2011


Institution Statistics


American Perspective Bank
FDIC Certificate #58614
BankRate ReportView
Year Established2007
Employees38
Primary RegulatorFDIC

Assets and Liabilities

Assets$259.16 million
Loans$181.28 million
Deposits$210.38 million
Equity Capital$43.20 million
Loan Loss Allowance$3.29 million
Real Estate Owned$2.01 million

Historic Data - December 2010

Assets$228.88 million
Equity Capital$39.91 million
Loan Loss Allowance$2.44 million
Real Estate Owned$4.48 million

Profit Margin - Quarterly

Net Interest Margin4.03%
Return on Assets1.14%
Return on Equity6.8%
Interest Income$11.39 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 Perspective Bank had $2.01 million in non-current loans and owned real-estate with $46.5 million in equity and loan loss allowances on hand to cover it. This gives American Perspective Bank a Texas Ratio of 4.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for American Perspective Bank decreased significantly from 10.57% as of December 31, 2010 to 4.33% as of December 31, 2011, resulting in a positive change of 59.05%.This indicates that the balance sheet and financial strength for American Perspective Bank has improved significantly in recent periods.
Deposit Growth5
In the past year, American Perspective Bank has increased its total deposits by $34.38 million, resulting in 19.54% 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 Perspective Bank has shown is excellent.
Capitalization5
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 Perspective Bank has $259.16 million in assets with $46.5 million in equity, resulting in a capitalization level of 17.94%, which is excellent.
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