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Overview / Commentary
801 North Brand Boulevard, Suite #1150
Glendale, CA 91203

Americas United Bank is headquartered in Glendale and is the 164th largest bank in the state of California. It is also the 3,531st largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 20 employees at 2 locations. Americas United Bank has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 Americas United Bank had $12,000 in non-current loans and owned real-estate with $25.38 million in equity and loan loss allowances on hand to cover it. This gives Americas United Bank a Texas Ratio of 0.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Americas United Bank decreased dramatically from 1.71% as of March 31, 2013 to 0.05% as of March 31, 2014, resulting in a positive change of 97.24%.This indicates that the balance sheet and financial strength for Americas United Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Americas United Bank has increased its total deposits by $45.9 million, resulting in 52.34% 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 excellent.

Capitalization

GRADE:
A+

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 $161.8 million in assets with $25.38 million in equity, resulting in a capitalization level of 15.69%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58360
Year Established2006
Employees20
Primary RegulatorFDIC
Assets and Liabilities
Assets$161.81 million
Loans$88.88 million
Deposits$133.59 million
Equity Capital$23.68 million
Loan Loss Allowance$1.71 million
Unbacked Noncurrent Loans$12,000
Real Estate Owned$0
Historic Data - March 2013
Assets$111.78 million
Equity Capital$19.58 million
Loan Loss Allowance$1.96 million
Unbacked Noncurrent Loans$12,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.15%
Return on Assets0.32%
Return on Equity1.88%
Interest Income$1.16 million
Rates

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Locations


Americas United Bank Locations
Americas United Bank801 North Brand Boulevard, Suite #1150Glendale, CA 91203
Downey Branch8255 Firestone Blvd., Suite 110Downey, CA 90241