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Overview / Commentary
3626 East First Street
Los Angeles, CA 90063

Pan American Bank is headquartered in Los Angeles and is the 212st largest bank in the state of California. It is also the 6,205th largest bank in the nation. It was established in 1971 and as of June of 2014, it had grown to 17 employees at 1 location. Pan American Bank has a D health rating.

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Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Pan American Bank has a low asset base.

Texas Ratio


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 June 30, 2014 Pan American Bank had $2.63 million in non-current loans and owned real-estate with $1.39 million in equity and loan loss allowances on hand to cover it. This gives Pan American Bank a Texas Ratio of 189.70% which is poor. 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 increased slightly from 88.03% as of June 30, 2013 to 189.70% as of June 30, 2014, resulting in a negative change of 115.48%. This indicates that the balance sheet and financial strength for Pan American Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Pan American Bank has increased its total deposits by $1.6 million, resulting in 4.54% 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 has shown is excellent.



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 has $37.97 million in assets with $1.39 million in equity, resulting in a capitalization level of 3.66%, which is poor.

Institution Statistics

FDIC Certificate #20448
Year Established1971
Primary RegulatorFDIC
Assets and Liabilities
Assets$37.97 million
Loans$30.42 million
Deposits$36.94 million
Equity Capital$729,000
Loan Loss Allowance$659,000
Unbacked Noncurrent Loans$2.51 million
Real Estate Owned$127,000
Historic Data - June 2013
Assets$38.40 million
Equity Capital$2.88 million
Loan Loss Allowance$777,000
Unbacked Noncurrent Loans$2.51 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-2.27%
Return on Equity-94.96%
Interest Income$988,000

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Pan American Bank Locations
Pan American Bank3626 East First StreetLos Angeles, CA 90063