Institution Statistics
| First American Bank | | FDIC Certificate # | 4092 | | BankRate Report | View | | Year Established | 1902 | | Employees | 8 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $45.45 million | | Loans | $13.75 million | | Deposits | $41.85 million | | Equity Capital | $3.54 million | | Loan Loss Allowance | $153,000 |
Historic Data - March 2011 | | Assets | $41.59 million | | Equity Capital | $3.38 million | | Loan Loss Allowance | $163,000 | | Unbacked Noncurrent Loans | $12,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.83% | | Return on Assets | 1.2% | | Return on Equity | 14.7% | | Interest Income | $314,000 |
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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 March 31, 2012 First American Bank (4092) had $0 in non-current loans and owned real-estate with $3.7 million in equity and loan loss allowances on hand to cover it. This gives First American Bank (4092) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, First American Bank (4092) has increased its total deposits by $3.7 million, resulting in 9.71% 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 First American Bank (4092) has shown is excellent. | | 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. First American Bank (4092) has $45.45 million in assets with $3.7 million in equity, resulting in a capitalization level of 8.13%, which is average. |
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