Institution Statistics
| First American Bank | | FDIC Certificate # | 2240 | | BankRate Report | View | | Year Established | 1903 | | Employees | 227 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $745.37 million | | Loans | $413.76 million | | Deposits | $617.78 million | | Equity Capital | $67.42 million | | Loan Loss Allowance | $8.76 million | | Unbacked Noncurrent Loans | $12.80 million | | Real Estate Owned | $6.03 million |
Historic Data - September 2010 | | Assets | $696.61 million | | Equity Capital | $58.59 million | | Loan Loss Allowance | $8.17 million | | Unbacked Noncurrent Loans | $17.49 million | | Real Estate Owned | $6.36 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.97% | | Return on Assets | 1.83% | | Return on Equity | 20.02% | | Interest Income | $25.51 million |
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Institution Health
Overall Score:
4 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 September 30, 2011 First American Bank had $18.84 million in non-current loans and owned real-estate with $76.18 million in equity and loan loss allowances on hand to cover it. This gives First American Bank a Texas Ratio of 24.73% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for First American Bank decreased slightly from 36.03% as of September 30, 2010 to 24.73% as of September 30, 2011, resulting in a positive change of 31.37%.This indicates that the balance sheet and financial strength for First American Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, First American Bank has increased its total deposits by $26.06 million, resulting in 4.4% 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 has shown is above average. | | 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 has $745.37 million in assets with $76.18 million in equity, resulting in a capitalization level of 10.22%, which is above average. |
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