SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN BANK, NATIONAL ASSOCIATION
2707 WEST NORTHWEST HIGHWAY
DALLAS, Texas 75220

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 494654




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$50,302$50,536$49,066
Loans Receivable, Net13,46612,2389,319
Mortgage-Backed Securities16,13417,38321,415
Investments14,53115,07513,856
Deposits46,20546,81343,930
Borrowings000
Equity3,8923,5304,883
Net Interest Income5261,7811,339
Fee Income208666
Overhead3641,4171,308
Net Operating Income9314782
Net Income619654
Ratio Analysis Profitability%%%
Return on Assets *0.310.190.11
Operating Return on Assets *0.470.290.17
Return on Equity *4.162.401.14
Net Interest Margin *4.093.802.89
Fee Income / Assets *0.170.170.13
Overhead / Assets *2.802.812.66
Efficiency Ratio66.3075.4192.05
Asset Quality%%%
Nonperforming Assets / Assets0.080.040.07
Nonperforming Assets / Equity & Loss Reserves0.890.490.67
Loss Reserves / Nonperforming Loans960.531657.89514.71
1-4 Fam Mtg + MBS / Assets33.5535.3044.45
Commercial Real Estate Loans / Assets0.460.470.41
Construction Loans / Assets0.000.040.01
Commercial & Industrial Loans / Assets3.824.522.90
Consumer Loans / Assets21.6519.6915.15
Capitalization%%%
Equity / Assets7.746.999.95
Tangible Capital / Tangible Assets7.746.999.95
Risk-based Capital Ratio19.1219.2921.62
Liquidity%%%
Loans / Deposits29.1426.1421.21
Non-Interest Bearing Deposits / Deposits13.8918.8221.96
Purchased Liabilities32.0532.0220.10

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