Institution Statistics
| USAmeriBank | | FDIC Certificate # | 58427 | | BankRate Report | View | | Year Established | 2007 | | Employees | 475 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $2.18 billion | | Loans | $1.62 billion | | Deposits | $1.78 billion | | Equity Capital | $208.54 million | | Loan Loss Allowance | $26.93 million | | Unbacked Noncurrent Loans | $29.42 million | | Real Estate Owned | $12.15 million |
Historic Data - March 2011 | | Assets | $1.03 billion | | Equity Capital | $79.43 million | | Loan Loss Allowance | $12.79 million | | Unbacked Noncurrent Loans | $5.57 million | | Real Estate Owned | $1.37 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.38% | | Return on Assets | 1.01% | | Return on Equity | 10.57% | | Interest Income | $24.66 million |
|
|
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 March 31, 2012 USAmeriBank had $41.58 million in non-current loans and owned real-estate with $235.47 million in equity and loan loss allowances on hand to cover it. This gives USAmeriBank a Texas Ratio of 17.66% 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 USAmeriBank increased slightly from 6.84% as of March 31, 2011 to 17.66% as of March 31, 2012, resulting in a negative change of 158.30%. This indicates that the balance sheet and financial strength for USAmeriBank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, USAmeriBank has increased its total deposits by $925.6 million, resulting in 108.06% 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 USAmeriBank 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. USAmeriBank has $2.18 billion in assets with $235.47 million in equity, resulting in a capitalization level of 10.80%, which is above average. |
|
