Institution Statistics
| AztecAmerica Bank | | FDIC Certificate # | 57866 | | BankRate Report | View | | Year Established | 2005 | | Employees | 18 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $87.38 million | | Loans | $62.39 million | | Deposits | $79.99 million | | Equity Capital | $6.33 million | | Loan Loss Allowance | $2.60 million | | Unbacked Noncurrent Loans | $9.02 million | | Real Estate Owned | $3.07 million |
Historic Data - December 2010 | | Assets | $91.40 million | | Equity Capital | $5.02 million | | Loan Loss Allowance | $3.43 million | | Unbacked Noncurrent Loans | $8.11 million | | Real Estate Owned | $2.59 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.65% | | Return on Assets | 0.68% | | Return on Equity | 10.99% | | Interest Income | $4.33 million |
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Institution Health
Overall Score:
2 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 AztecAmerica Bank had $12.09 million in non-current loans and owned real-estate with $8.93 million in equity and loan loss allowances on hand to cover it. This gives AztecAmerica Bank a Texas Ratio of 135.45% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for AztecAmerica Bank held steady from 126.78% as of December 31, 2010 to 135.45% as of December 31, 2011, resulting in a negative change of 6.84%. This indicates that the balance sheet and financial strength for AztecAmerica Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, AztecAmerica Bank has decreased its total deposits by -$6.15 million, resulting in -7.14% 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 AztecAmerica 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. AztecAmerica Bank has $87.38 million in assets with $8.93 million in equity, resulting in a capitalization level of 10.22%, which is above average. |
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