Pan American Bank & Trust
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Weak (2.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 9.3. A current level of 0.2 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Good asset quality (7.0).
Asset Mix:
Comm re (33%), comm loans (11%), home mtgs (10%), securities (7%), consumer loans (3%), cash (2%), home eq lns (2%), other (31%)
States with Branches:
IL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
SolvTrust Financial Corporation
Investment Rating
--
Address
1440 West North Avenue
Melrose Park, IL 60160
Melrose Park, IL 60160
Phone Number
(708) 865-5700
Year Founded
1995
FDIC Number
Website
Largest Affiliates
No affiliate information available.