Pan American Bank (IL)

Pan American Bank (IL) is headquartered in Chicago and is the 179^th largest bank in the state of Illinois. It is also the 2,660^th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 40 employees at 4 locations. Pan American Bank (IL) has a 3-star health rating.

Data for Q1 2012

Institution Statistics Pan American Bank FDIC Certificate # 34108 BankRate Report View Year Established 1995 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $242.52 million Loans $142.83 million Deposits $226.03 million Equity Capital $16.24 million Loan Loss Allowance $1.70 million Unbacked Noncurrent Loans $2.96 million Real Estate Owned $423,000 Historic Data - March 2011 Assets $212.50 million Equity Capital $13.99 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $654,000 Real Estate Owned $602,000 Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.79% Return on Equity 11.71% Interest Income $2.58 million

Institution Health Overall Score: 3 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 Pan American Bank (IL) had $3.39 million in non-current loans and owned real-estate with $17.94 million in equity and loan loss allowances on hand to cover it. This gives Pan American Bank (IL) a Texas Ratio of 18.87% 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 Pan American Bank (IL) increased slightly from 8.37% as of March 31, 2011 to 18.87% as of March 31, 2012, resulting in a negative change of 125.60%. This indicates that the balance sheet and financial strength for Pan American Bank (IL) has declined slightly in recent periods. Deposit Growth In the past year, Pan American Bank (IL) has increased its total deposits by $29.76 million, resulting in 15.16% 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 Pan American Bank (IL) 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. Pan American Bank (IL) has $242.52 million in assets with $17.94 million in equity, resulting in a capitalization level of 7.40%, which is below average.

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