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SAFE & SOUND® STAR RATINGS

AMERICAN BANK, NATIONAL ASSOCIATION

2707 WEST NORTHWEST HIGHWAY
DALLAS, Texas 75220

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 494654




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$61,961$62,024$50,536
Loans Receivable, Net24,43822,85412,238
Mortgage-Backed Securities19,19819,60617,383
Investments9,7509,91015,075
Deposits56,94157,33546,813
Borrowings000
Equity4,6974,4863,530
Net Interest Income9012,6871,781
Fee Income198186
Overhead4601,6401,417
Net Operating Income166394147
Net Income11026096
Ratio Analysis Profitability%%%
Return on Assets *0.530.470.19
Operating Return on Assets *0.800.700.29
Return on Equity *7.066.232.40
Net Interest Margin *5.525.103.80
Fee Income / Assets *0.140.140.17
Overhead / Assets *2.962.932.81
Efficiency Ratio49.7858.9775.41
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 / Assets32.2733.0235.30
Commercial Real Estate Loans / Assets0.980.340.47
Construction Loans / Assets0.880.000.04
Commercial & Industrial Loans / Assets1.483.154.52
Consumer Loans / Assets36.0132.9019.69
Capitalization%%%
Equity / Assets7.587.236.99
Tangible Capital / Tangible Assets7.587.236.99
Risk-based Capital Ratio15.4415.1419.29
Liquidity%%%
Loans / Deposits42.9239.8626.14
Non-Interest Bearing Deposits / Deposits22.7821.6018.82
Purchased Liabilities26.4726.4232.02

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