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AMERICAN BANK, NATIONAL ASSOCIATION

2707 WEST NORTHWEST HIGHWAY
DALLAS, Texas 75220

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 494654




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$52,940$62,024$50,536
Loans Receivable, Net27,07322,85412,238
Mortgage-Backed Securities11,55119,60617,383
Investments8,7119,91015,075
Deposits47,52157,33546,813
Borrowings000
Equity5,0734,4863,530
Net Interest Income4,0352,6871,781
Fee Income688186
Overhead1,9241,6401,417
Net Operating Income1,011394147
Net Income67126096
Ratio Analysis Profitability%%%
Return on Assets *1.120.470.19
Operating Return on Assets *1.680.700.29
Return on Equity *13.786.232.40
Net Interest Margin *7.375.103.80
Fee Income / Assets *0.110.140.17
Overhead / Assets *3.202.932.81
Efficiency Ratio46.7158.9775.41
Asset Quality%%%
Nonperforming Assets / Assets0.000.170.04
Nonperforming Assets / Equity & Loss Reserves0.002.030.49
Loss Reserves / Nonperforming Loansn/a576.701657.89
1-4 Fam Mtg + MBS / Assets23.0333.0235.30
Commercial Real Estate Loans / Assets1.290.340.47
Construction Loans / Assets0.270.000.04
Commercial & Industrial Loans / Assets1.063.154.52
Consumer Loans / Assets49.0532.9019.69
Capitalization%%%
Equity / Assets9.587.236.99
Tangible Capital / Tangible Assets9.587.236.99
Risk-based Capital Ratio16.5015.1419.29
Liquidity%%%
Loans / Deposits56.9739.8626.14
Non-Interest Bearing Deposits / Deposits23.4721.6018.82
Purchased Liabilities20.0126.4232.02

* Calculations are based on the latest four quarters of income and expense.
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