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AMERICAN BANK, NATIONAL ASSOCIATION

2707 WEST NORTHWEST HIGHWAY
DALLAS, Texas 75220

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 494654




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$53,340$52,940$62,024
Loans Receivable, Net26,75327,07322,854
Mortgage-Backed Securities10,90511,55119,606
Investments7,7718,7119,910
Deposits47,73047,52157,335
Borrowings000
Equity5,2535,0734,486
Net Interest Income1,0854,0352,687
Fee Income206881
Overhead5001,9241,640
Net Operating Income2601,011394
Net Income173671260
Ratio Analysis Profitability%%%
Return on Assets *1.271.120.47
Operating Return on Assets *1.921.680.70
Return on Equity *14.6513.786.23
Net Interest Margin *8.057.375.10
Fee Income / Assets *0.120.110.14
Overhead / Assets *3.413.202.93
Efficiency Ratio45.0946.7158.97
Asset Quality%%%
Nonperforming Assets / Assets0.070.000.17
Nonperforming Assets / Equity & Loss Reserves0.640.002.03
Loss Reserves / Nonperforming Loans2505.00n/a576.70
1-4 Fam Mtg + MBS / Assets21.6423.0333.02
Commercial Real Estate Loans / Assets1.251.290.34
Construction Loans / Assets0.270.270.00
Commercial & Industrial Loans / Assets1.661.063.15
Consumer Loans / Assets47.6549.0532.90
Capitalization%%%
Equity / Assets9.859.587.23
Tangible Capital / Tangible Assets9.859.587.23
Risk-based Capital Ratio17.1816.5015.14
Liquidity%%%
Loans / Deposits56.0556.9739.86
Non-Interest Bearing Deposits / Deposits25.6323.4721.60
Purchased Liabilities20.5820.0126.42

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