Banco do Brasil Americas

Banco do Brasil Americas is headquartered in Coral Gables and is the 183^rd largest bank in the state of Florida. It is also the 5,272^nd largest bank in the nation. It was established in 1986 and as of December of 2012, it had grown to 60 employees at 3 locations. Banco do Brasil Americas has a 5-star health rating.

Banco do Brasil Americas Routing Number: 067012688

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Data for Q4 2012

Institution Statistics Banco do Brasil Americas FDIC Certificate # 26725 BankRate Report View Year Established 1986 Employees 60 Primary Regulator FDIC Assets and Liabilities Assets $84.36 million Loans $18.18 million Deposits $45.37 million Equity Capital $38.24 million Loan Loss Allowance $497,000 Real Estate Owned $2.54 million Historic Data - December 2011 Assets $74.69 million Equity Capital $1.29 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $13.40 million Real Estate Owned $9.46 million Profit Margin - Quarterly Net Interest Margin 2.47% Return on Assets -18.65% Return on Equity -55.85% Interest Income $2.18 million

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 December 31, 2012 Banco do Brasil Americas had $2.54 million in non-current loans and owned real-estate with $38.73 million in equity and loan loss allowances on hand to cover it. This gives Banco do Brasil Americas a Texas Ratio of 6.55% 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 Banco do Brasil Americas decreased significantly from 866.82% as of December 31, 2011 to 6.55% as of December 31, 2012, resulting in a positive change of 99.24%.This indicates that the balance sheet and financial strength for Banco do Brasil Americas has improved significantly in recent periods. Deposit Growth In the past year, Banco do Brasil Americas has decreased its total deposits by -$23.9 million, resulting in -34.5% 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 Banco do Brasil Americas 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. Banco do Brasil Americas has $84.36 million in assets with $38.73 million in equity, resulting in a capitalization level of 45.91%, which is excellent.

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