AmericaUnited Bank and Trust Company USA

321 West Golf Road
Schaumburg, IL 60196

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19418
Date Established 1965
Assets $0.28 billion
Loans $0.19 billion
Deposits $0.25 billion
Capital $0.03 billion

AmericaUnited Bank and Trust Company USA is an FDIC insured institution located in Schaumburg, IL. It was founded in 1965 and has approximately $0.28 billion in assets.

For a more detailed analysis of AmericaUnited Bank and Trust Company USA's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in AmericaUnited Bank and Trust Company USA’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, AmericaUnited Bank and Trust Company USA’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

AmericaUnited Bank and Trust Company USA branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Americaunited Bank And Trust Company Usa Locations

Financial Details

AmericaUnited Bank and Trust Company USA Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of AmericaUnited Bank and Trust Company USA. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
AmericaUnited Bank and Trust Company USA U.S. Bank Average
78.52% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, AmericaUnited Bank and Trust Company USA had $20,251,000 in non-current loans and $8,570,000 in owned real estate. To cover these potential losses it had $30,378,000 in equity and $6,328,000 in loans loss reserves. That gives it a Texas Ratio of 78.52%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
AmericaUnited Bank and Trust Company USA U.S. Bank Average
-4.78% 9.45%

AmericaUnited Bank and Trust Company USA has a Return on Equity of -4.78% versus the BestCashCow average of 9.45%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
AmericaUnited Bank and Trust Company USA U.S. Bank Average
10.75% 11.28%

AmericaUnited Bank and Trust Company USA has a Capitalization of 10.75% versus the BestCashCow average of 11.28%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

AmericaUnited Bank and Trust Company USA Balance Sheet Analysis

As of September 30, 2011, AmericaUnited Bank and Trust Company USA had assets of $282,553,000, loans of $194,876,000, and deposits of $249,236,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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