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 December 31, 2013
Federal Reserve System Identifier 494654




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$50,536$49,066$49,658
Loans Receivable, Net12,2389,3195,722
Mortgage-Backed Securities17,38321,41529,637
Investments15,07513,8568,603
Deposits46,81343,93044,997
Borrowings000
Equity3,5304,8834,549
Net Interest Income1,7811,3391,006
Fee Income866670
Overhead1,4171,3081,203
Net Operating Income14782-82
Net Income9654-54
Ratio Analysis Profitability%%%
Return on Assets *0.190.11-0.12
Operating Return on Assets *0.290.17-0.18
Return on Equity *2.401.14-1.20
Net Interest Margin *3.802.892.39
Fee Income / Assets *0.170.130.16
Overhead / Assets *2.812.662.71
Efficiency Ratio75.4192.05110.37
Asset Quality%%%
Nonperforming Assets / Assets0.040.070.00
Nonperforming Assets / Equity & Loss Reserves0.490.670.00
Loss Reserves / Nonperforming Loans1657.89514.712.99
1-4 Fam Mtg + MBS / Assets35.3044.4560.90
Commercial Real Estate Loans / Assets0.470.410.65
Construction Loans / Assets0.040.010.21
Commercial & Industrial Loans / Assets4.522.901.94
Consumer Loans / Assets19.6915.157.90
Capitalization%%%
Equity / Assets6.999.959.16
Tangible Capital / Tangible Assets6.999.959.16
Risk-based Capital Ratio19.2921.6225.18
Liquidity%%%
Loans / Deposits26.1421.2112.72
Non-Interest Bearing Deposits / Deposits18.8221.9613.37
Purchased Liabilities32.0220.1046.72

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