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American Bank of Texas

Sherman, TX · Cert 20473

FDIC · 34 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Bank of Texas

Sherman, TX · Cert 20473

FDIC · 34 branches

Q3 2016

$2.4BAssets
$1.6BLoans
$2.0BDeposits
$354.8MEquity
Loan mix
84%RE $780.9M14%C&I $129.7M2%Consumer $19.0MQ3 2015Q3 2016
Deposit mix
65%Interest-bearing $1.3B35%Noninterest $0.7BQ3 2015Q3 2016

NIM

3.61%Q3 ’143.69%Q3 ’153.85%Q3 ’16+4%+5%

Non-interest income vs. expense

2.20%Q3 ’142.11%Q3 ’152.08%Q3 ’16-2%0%

Market Position · Sherman-Denison, TX · 2016 SOD (annual) · 33.6% share · #1 of 13 inst. · $0.8B of $2.3B

33.6% Grayson
20.2% Guadalupe
0.9% Collin
18.0% Gillespie

Executive Summary

  • Earnings: ROA of 1.52%, up 18 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.84%, up 43 bps from a year ago.
  • Funding: loans stand at 77.46% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

1.52%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+18 bps YoY

Efficiency Ratio (YTD, annualized)

49.59%-270 bps YoY

Tier 1 Leverage Ratio

13.84%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets1.33%1.39%1.42%1.48%1.52%+18 bps
Return on Equity9.32%9.73%9.88%10.21%10.38%+107 bps
Net Interest Margin3.50%3.54%3.70%3.72%3.68%+18 bps
Efficiency Ratio52.29%51.17%50.52%49.41%49.59%-270 bps
Non-Interest Burden1.53%1.52%1.58%1.52%1.53%-1 bps
Growth
Asset Growth (YoY)1.35%6.84%4.69%6.17%7.32%+596 bps
Loan Growth (YoY)2.26%2.30%2.37%9.09%11.30%+904 bps
Deposit Growth (YoY)0.55%6.76%4.38%5.56%6.94%+638 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans1.53%1.51%1.47%1.41%1.37%-16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.41%13.44%13.42%13.68%13.84%+43 bps
Total Risk-Based Capital17.36%17.62%16.69%16.62%17.57%+21 bps
Equity / Assets14.61%14.12%14.59%14.88%14.89%+28 bps
Liquidity & Funding
Loans / Deposits74.43%70.83%74.49%76.57%77.46%+304 bps
Liquid Assets / Assets7.27%10.73%7.17%4.53%10.64%+337 bps
CRE / Total Capitaln/an/an/an/an/an/an/a