Young Americans Bank

Young Americans Bank Locations
3550 East First Avenue
Denver, CO 80206
www.yacenter.org

Young Americans Bank is headquartered in Denver and is the 107th largest bank in the state of Colorado. It is also the 7,235th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 8 employees at 1 location. Young Americans Bank has a 5-star health rating.

Young Americans Bank Routing Number: 102006012

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Data for Q1 2012


Institution Statistics


Young Americans Bank
FDIC Certificate #27010
BankRate ReportView
Year Established1987
Employees8
Primary RegulatorFDIC

Assets and Liabilities

Assets$15.17 million
Loans$27,000
Deposits$13.99 million
Equity Capital$1.12 million
Loan Loss Allowance$5,000

Historic Data - March 2011

Assets$13.92 million
Equity Capital$1.16 million
Loan Loss Allowance$5,000

Profit Margin - Quarterly

Net Interest Margin1.22%
Return on Assets-5.28%
Return on Equity-70.15%
Interest Income$49,000

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 Young Americans Bank had $0 in non-current loans and owned real-estate with $1.13 million in equity and loan loss allowances on hand to cover it. This gives Young Americans Bank 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 Growth5
In the past year, Young Americans Bank has increased its total deposits by $1.31 million, resulting in 10.35% 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 Young Americans Bank has shown is excellent.
Capitalization2
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. Young Americans Bank has $15.17 million in assets with $1.13 million in equity, resulting in a capitalization level of 7.44%, which is below average.
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