Vitals
  • Total Assets
    96.3M 10.3 %
  • Total Deposits
    86.0M 18.0 %
  • Total Net Loans
    47.2M -12.8 %
  • Net Income
    297000.0000 -65.6 %
  • Book Value
    9.8M -30.0 %
  • Book Value x2
    19.6M -30.0 %
  • Book Value x3
    29.3M -30.0 %
ROAA

.627

ROAE

4.58

Efficiency Ratio

49.917

Net Interest Margin

3.978

Balance Sheet Highlights
Financial Highlights The American Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 96,316 201,925
Total Net Loans 47,188 135,376
Total Deposits 86,032 166,300
Total Equity 9,783 20,717
Profitability
Net Income 297 9,676
Return on Average Assets .627 1.241
Return on Average Equity 4.58 11.92
Net Interest Margin 3.978 4.121
Efficiency Ratio 49.917 61.116
Noninterest Income/Revenue 5.381 10.02
Balance Sheet Ratios
Loan-to-Deposit 54.849 73.163
Securities/Assets .316 .56
Total Equity/Total Assets .102 .103
Tangible Equity/Tangible Assets .102 -3.706
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 10,114 20,314
Tier 2 Capital 888 1,641
Total Capital 11,002 21,907
Total Risk Weighted Assets 71,879 148,681
Leverage Ratio 10.52 11.046
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.07 16.652
Total Capital Ratio 15.31 17.72

Timeline for The American Bank

State Bank & Trust Company

The American Bank was acquired by State Bank & Trust Company 16 years

View Profile Jul 01 2007

Geneva Bancshares, Inc.

Geneva Bancshares, Inc. became a new parent organization for The American Bank.

View Profile Oct 23 1981

The American Bank

The American Bank was established 68 years ago and is currently headquartered in Geneva, AL.

Aug 26 1955
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
State Bank & Trust Company Buyer 1,067,948 Acquisition Discontinued 7/1/2007
Relationships Role Relationship Start Relationship End
Geneva Bancshares, Inc. Parent 12/31/1989 6/30/2007
Geneva Bancshares, Inc. Parent 12/31/1982 12/30/1989
Geneva Bancshares, Inc. Parent 10/23/1981 12/30/1982
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