PackageTrendsPeer
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American Bank, National Association

Keller, TX · Cert 15836

FDIC

Q1 2010

$67.1MAssets
$32.7MLoans
$60.5MDeposits
$6.4MEquity
Loan mix
84%RE $18.8M16%C&I $3.5M0%Consumer $0.0MQ2 2008Q1 2010
Deposit mix
82%Interest-bearing $49.4M18%Noninterest $11.1MQ2 2008Q1 2010

Executive Summary

  • Earnings: ROA of 0.58%, down 23 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.16%.
  • Funding: loans stand at 53.96% of deposits as of Q1 2010.

Return on Assets (quarter, annualized)

0.58%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.28%+32 bps YoY

Efficiency Ratio (quarter, annualized)

79.32%+213 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.26%Q1 ’085.23%Q1 ’094.72%Q1 ’10-12%+11%

Non-interest income vs. expense

2.94%Q1 ’082.63%Q1 ’092.97%Q1 ’10-11%+15%

Discrete quarter, annualized.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets1.16%0.02%10.44%0.82%0.18%10.21%10.16%10.58%-23 bps
Return on Equity12.58%0.21%4.63%9.05%2.16%2.41%1.78%6.20%-285 bps
Net Interest Margin3.49%3.75%3.31%2.97%2.88%2.99%3.11%3.28%+32 bps
Efficiency Ratio70.69%80.52%84.87%77.19%89.39%87.44%85.18%79.32%+213 bps
Non-Interest Burden2.24%2.92%2.73%2.19%2.53%2.57%2.58%2.51%+32 bps
Growth
Asset Growth (YoY)4.21%2.72%8.14%18.04%21.51%18.01%0.63%-8.50%-2,654 bps
Loan Growth (YoY)1.63%10.42%15.68%15.78%15.38%6.48%-0.49%-12.25%-2,803 bps
Deposit Growth (YoY)3.39%1.97%7.56%19.50%22.21%18.88%0.95%-9.44%-2,894 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.26%0.64%0.32%0.67%0.88%1.65%1.54%-0.16%-83 bps
Allowance / Loans1.06%1.21%1.14%1.15%1.22%1.58%1.60%1.89%+74 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital18.46%18.08%17.34%15.82%16.58%17.38%17.26%18.72%+290 bps
Equity / Assets8.81%9.35%9.51%8.60%8.33%8.71%9.28%9.56%+97 bps
Liquidity & Funding
Loans / Deposits55.53%61.07%60.01%55.68%52.43%54.70%59.15%53.96%-173 bps
Liquid Assets / Assets0.00%0.00%0.00%4.31%7.68%7.62%8.89%3.69%-62 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a