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Overview / Commentary
5 First American Way, 3rd Floor
Santa Ana, CA 92707

First American Trust, FSB is headquartered in Santa Ana and is the 34th largest bank in the state of California. It is also the 375th largest bank in the nation. It was established in 1985 and as of March of 2014, it had grown to 97 employees at 8 locations. First American Trust, FSB has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First American Trust, FSB had $0 in non-current loans and owned real-estate with $143.64 million in equity and loan loss allowances on hand to cover it. This gives First American Trust, FSB 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

GRADE:
A+

In the past year, First American Trust, FSB has increased its total deposits by $203.14 million, resulting in 13.16% 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 Trust, FSB has shown is excellent.

Capitalization

GRADE:
C-

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 Trust, FSB has $1.9 billion in assets with $143.64 million in equity, resulting in a capitalization level of 7.57%, which is below average.

Institution Statistics

Overall
FDIC Certificate #26312
Year Established1985
Employees97
Primary RegulatorOCC
Assets and Liabilities
Assets$1.90 billion
Loans$0
Deposits$1.75 billion
Equity Capital$143.64 million
Loan Loss Allowance$0
Real Estate Owned$0
Historic Data - March 2013
Assets$1.69 billion
Equity Capital$140.31 million
Loan Loss Allowance$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.36%
Return on Assets0.86%
Return on Equity11.48%
Interest Income$6.53 million
Rates

Sorry, we do not have rate data for First American Trust, FSB

Locations


First American Trust, FSB Locations
Hawaii Branch1177 Kapiolani BlvdHonolulu, HI 96814
Texas Branch1500 S. Dairy Ashford St, Ste 300Houston, TX 77077
Florida Branch2082 Summit Lake DrTallahassee, FL 32317
First American Trust, FSB5 First American Way, 3rd FloorSanta Ana, CA 92707
Louisiana Branch510 Bienville StreetNew Orleans, LA 70130
Utah Branch560 South 300 EastSalt Lake City, UT 84111
Arizona Branch9000 E. Pima Center PwkyScottsdale, AZ 85256
New Mexico Branch9400 Holly Avenue NeAlbuquerque, NM 87122