Americas United Bank

Americas United Bank is headquartered in Glendale and is the 227^th largest bank in the state of California. It is also the 4,930^th largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 18 employees at 2 locations. Americas United Bank has a 4-star health rating.

Americas United Bank Routing Number: 122244498

Data for Q4 2011

Institution Statistics Americas United Bank FDIC Certificate # 58360 BankRate Report View Year Established 2006 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $100.39 million Loans $70.61 million Deposits $74.28 million Equity Capital $17.63 million Loan Loss Allowance $2.48 million Unbacked Noncurrent Loans $1.38 million Historic Data - December 2010 Assets $114.01 million Equity Capital $17.50 million Loan Loss Allowance $2.18 million Unbacked Noncurrent Loans $1.87 million Profit Margin - Quarterly Net Interest Margin 5.07% Return on Assets 0.03% Return on Equity 0.21% Interest Income $5.85 million

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 Americas United Bank had $1.38 million in non-current loans and owned real-estate with $20.12 million in equity and loan loss allowances on hand to cover it. This gives Americas United Bank a Texas Ratio of 6.87% 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 Americas United Bank decreased slightly from 9.51% as of December 31, 2010 to 6.87% as of December 31, 2011, resulting in a positive change of 27.72%.This indicates that the balance sheet and financial strength for Americas United Bank has improved slightly in recent periods. Deposit Growth In the past year, Americas United Bank has decreased its total deposits by -$11.73 million, resulting in -13.64% 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 Americas United Bank has shown is poor. 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. Americas United Bank has $100.39 million in assets with $20.12 million in equity, resulting in a capitalization level of 20.04%, which is excellent.

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