Institution Statistics
| Pan American Bank | | FDIC Certificate # | 20448 | | BankRate Report | View | | Year Established | 1971 | | Employees | 28 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $39.79 million | | Loans | $32.01 million | | Deposits | $35.08 million | | Equity Capital | $4.40 million | | Loan Loss Allowance | $2.03 million | | Unbacked Noncurrent Loans | $214,000 | | Real Estate Owned | $156,000 |
Historic Data - March 2011 | | Assets | $42.88 million | | Equity Capital | $3.07 million | | Loan Loss Allowance | $927,000 | | Unbacked Noncurrent Loans | $1.16 million | | Real Estate Owned | $104,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.42% | | Return on Assets | -2.54% | | Return on Equity | -39.29% | | Interest Income | $533,000 |
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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 Pan American Bank had $370,000 in non-current loans and owned real-estate with $6.42 million in equity and loan loss allowances on hand to cover it. This gives Pan American Bank a Texas Ratio of 5.76% which is excellent. 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 decreased significantly from 31.76% as of March 31, 2011 to 5.76% as of March 31, 2012, resulting in a positive change of 81.87%.This indicates that the balance sheet and financial strength for Pan American Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Pan American Bank has decreased its total deposits by -$4.47 million, resulting in -11.3% 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 poor. | | 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 has $39.79 million in assets with $6.42 million in equity, resulting in a capitalization level of 16.15%, which is excellent. |
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