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 September 30, 2014
Federal Reserve System Identifier 494654




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$61,483$50,536$49,066
Loans Receivable, Net19,45312,2389,319
Mortgage-Backed Securities23,29517,38321,415
Investments11,44915,07513,856
Deposits57,00946,81343,930
Borrowings000
Equity4,2173,5304,883
Net Interest Income1,8491,7811,339
Fee Income598666
Overhead1,1791,4171,308
Net Operating Income29314782
Net Income1939654
Ratio Analysis Profitability%%%
Return on Assets *0.440.190.11
Operating Return on Assets *0.680.290.17
Return on Equity *5.602.401.14
Net Interest Margin *4.723.802.89
Fee Income / Assets *0.150.170.13
Overhead / Assets *2.892.812.66
Efficiency Ratio61.5075.4192.05
Asset Quality%%%
Nonperforming Assets / Assets0.050.040.07
Nonperforming Assets / Equity & Loss Reserves0.630.490.67
Loss Reserves / Nonperforming Loans1786.671657.89514.71
1-4 Fam Mtg + MBS / Assets39.3335.3044.45
Commercial Real Estate Loans / Assets0.350.470.41
Construction Loans / Assets0.000.040.01
Commercial & Industrial Loans / Assets3.234.522.90
Consumer Loans / Assets27.4219.6915.15
Capitalization%%%
Equity / Assets6.866.999.95
Tangible Capital / Tangible Assets6.866.999.95
Risk-based Capital Ratio16.0519.2921.62
Liquidity%%%
Loans / Deposits34.1226.1421.21
Non-Interest Bearing Deposits / Deposits20.8418.8221.96
Purchased Liabilities26.5532.0220.10

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