PackageTrendsPeer
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American Bank

Huntsville, TX · Cert 21946

FDIC

Q1 1996

$34.6MAssets
$15.9MLoans
$31.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.52%, up 9 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 51.24% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.52%+9 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets1.34%1.39%1.46%1.43%1.39%1.68%1.66%1.52%+9 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a-11.00%-9.22%-3.55%3.63%7.29%+1,830 bps
Loan Growth (YoY)n/an/an/a-4.58%-2.95%-1.19%1.82%1.43%+601 bps
Deposit Growth (YoY)n/an/an/a-13.05%-11.08%-5.05%2.16%6.23%+1,928 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 / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
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 Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits51.48%51.42%53.44%53.67%56.19%53.51%53.26%51.24%-242 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a