Institution Statistics
| American Riviera Bank | | FDIC Certificate # | 58281 | | BankRate Report | View | | Year Established | 2006 | | Employees | 31 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $175.12 million | | Loans | $135.01 million | | Deposits | $137.99 million | | Equity Capital | $23.99 million | | Loan Loss Allowance | $2.32 million | | Unbacked Noncurrent Loans | $1.06 million | | Real Estate Owned | $536,000 |
Historic Data - March 2012 | | Assets | $148.05 million | | Equity Capital | $22.60 million | | Loan Loss Allowance | $2.19 million | | Real Estate Owned | $3.73 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.69% | | Return on Assets | 0.78% | | Return on Equity | 5.69% | | Interest Income | $2.01 million |
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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, 2013 American Riviera Bank had $1.6 million in non-current loans and owned real-estate with $26.31 million in equity and loan loss allowances on hand to cover it. This gives American Riviera Bank a Texas Ratio of 6.07% 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 Riviera Bank decreased significantly from 15.05% as of March 31, 2012 to 6.07% as of March 31, 2013, resulting in a positive change of 59.63%.This indicates that the balance sheet and financial strength for American Riviera Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, American Riviera Bank has increased its total deposits by $18.08 million, resulting in 15.08% 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 Riviera 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 Riviera Bank has $175.12 million in assets with $26.31 million in equity, resulting in a capitalization level of 15.02%, which is excellent. |
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