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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 December 31, 2014
Federal Reserve System Identifier 494654




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$62,024$50,536$49,066
Loans Receivable, Net22,85412,2389,319
Mortgage-Backed Securities19,60617,38321,415
Investments9,91015,07513,856
Deposits57,33546,81343,930
Borrowings000
Equity4,4863,5304,883
Net Interest Income2,6871,7811,339
Fee Income818666
Overhead1,6401,4171,308
Net Operating Income39414782
Net Income2609654
Ratio Analysis Profitability%%%
Return on Assets *0.470.190.11
Operating Return on Assets *0.700.290.17
Return on Equity *6.232.401.14
Net Interest Margin *5.103.802.89
Fee Income / Assets *0.140.170.13
Overhead / Assets *2.932.812.66
Efficiency Ratio58.9775.4192.05
Asset Quality%%%
Nonperforming Assets / Assets0.170.040.07
Nonperforming Assets / Equity & Loss Reserves2.030.490.67
Loss Reserves / Nonperforming Loans576.701657.89514.71
1-4 Fam Mtg + MBS / Assets33.0235.3044.45
Commercial Real Estate Loans / Assets0.340.470.41
Construction Loans / Assets0.000.040.01
Commercial & Industrial Loans / Assets3.154.522.90
Consumer Loans / Assets32.9019.6915.15
Capitalization%%%
Equity / Assets7.236.999.95
Tangible Capital / Tangible Assets7.236.999.95
Risk-based Capital Ratio15.1419.2921.62
Liquidity%%%
Loans / Deposits39.8626.1421.21
Non-Interest Bearing Deposits / Deposits21.6018.8221.96
Purchased Liabilities26.4232.0220.10

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