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 |
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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 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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