PackageTrendsPeer
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American Bank

Houston, TX · Cert 22968

FDIC

Q4 2000

$274.9MAssets
$207.8MLoans
$237.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.55%, up 9 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 87.52% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

1.55%+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.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.45%1.44%1.42%1.46%1.65%1.79%1.86%1.55%+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)10.39%22.19%14.01%-1.76%13.82%21.87%22.33%17.06%+1,882 bps
Loan Growth (YoY)29.52%29.61%28.15%5.44%19.12%20.04%27.90%24.58%+1,914 bps
Deposit Growth (YoY)10.19%23.89%14.24%-0.95%15.57%21.32%22.84%16.05%+1,700 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 / Deposits77.65%81.92%81.41%81.54%80.04%81.06%84.76%87.52%+599 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