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American Bank, The

Wagoner, OK · Cert 2312

FDIC · 1 branch

Q1 2022

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: Q1 2022, the quarter ended March 31, 2022, 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, The

Wagoner, OK · Cert 2312

FDIC · 1 branch

Q1 2022

$35.1MAssets
$15.0MLoans
$31.6MDeposits
$3.5MEquity
Loan mix
60%RE $1.5M3%C&I $0.1M38%Consumer $1.0MQ1 2021Q1 2022
Deposit mix
69%Interest-bearing $21.6M31%Noninterest $9.9MQ1 2021Q1 2022

NIM

3.02%Q1 ’201.90%Q1 ’211.67%Q1 ’22-34%-9%

Non-interest income vs. expense

3.24%Q1 ’202.27%Q1 ’212.01%Q1 ’22-30%-18%

Market Position · Tulsa, OK · 2021 SOD (annual) · 0.1% share · #54 of 59 inst. · $0.0B of $37.4B

Executive Summary

  • Earnings: ROA of -0.03%, up 15 bps year over year; NIM at 1.65%.
  • 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 8.61%, down 950 bps from a year ago.
  • Funding: loans stand at 47.54% of deposits as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.03%+15 bps YoY

Net Interest Margin (YTD, annualized)

1.65%-17 bps YoY

Efficiency Ratio (YTD, annualized)

95.58%-1,271 bps YoY

Tier 1 Leverage Ratio

8.61%-950 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets-0.18%-0.29%0.76%1-0.11%-0.03%+15 bps
Return on Equity-0.96%-1.56%4.09%-0.67%-0.33%+63 bps
Net Interest Margin1.83%1.74%1.56%0.15%1.65%-17 bps
Efficiency Ratio108.29%112.97%129.50%146.58%95.58%-1,271 bps
Non-Interest Burden2.00%2.01%2.12%0.26%1.65%-35 bps
Growth
Asset Growth (YoY)24.22%14.40%1.14%1.24%-3.86%-2,808 bps
Loan Growth (YoY)-17.91%-18.43%-14.99%-21.80%299%+31,669 bps
Deposit Growth (YoY)31.44%18.53%0.80%11.46%5.58%-2,586 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.06%0.04%0.00%0.00%0 bps
Allowance / Loans1.65%1.68%1.74%0.00%0.00%-165 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio18.11%17.53%18.33%8.91%8.61%-950 bps
Total Risk-Based Capital18.11%17.53%18.33%8.91%8.61%-950 bps
Equity / Assets18.22%17.90%19.04%10.92%9.88%-834 bps
Liquidity & Funding
Loans / Deposits12.59%11.94%12.17%10.44%47.54%+3,496 bps
Liquid Assets / Assets85.55%85.97%84.47%57.41%20.02%-6,552 bps
CRE / Total Capitaln/an/an/an/an/an/an/a