FDIC Certificate #: 34422 Status: Active Federal Reserve ID: 2580243 Bank Holding Company (Regulatory Top Holder): American Bank Incorporated (RSSDID: 3008753, Location: Allentown, PA) Date Established: June 02, 1997 WWW:http://www.ambk.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15591 FDIC's unique #: 57185 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: June 02, 1997 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 4029 West Tilghman Street, Allentown, PA 18104 County: Lehigh Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Philadelphia Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Allentown-Bethlehem-Easton, PA (#240) Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900) CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $498.8 mil Equity capital: $48.4 mil Deposits held in domestic offices: $372.5 mil Return on assets (ROA): 1.10% ($5.5 mil) Quarterly return on assets: 1.13% ($5.6 mil) Return on Equity (ROE): 11.11% ($5.3 mil) Quarterly return on equity: 11.71% ($5.6 mil) Net income: $5.4 mil Quarterly Net income: $1.4 mil Pretax return on assets: 1.60% ($7,980.5 mil) Quarterly Pretax return on assets: 1.62% ($8,080.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
47Total employees (full-time equivalent)
$498,784Total assets
$75,499Cash and due from depository institutions
$72,727Interest-bearing balances
$97,532Securities
$0Federal funds sold & reverse repurchase agreements
$300,213Net loans & leases
$4,379Loan loss allowance
$0Trading account assets
$1,408Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$498,784Life insurance assets
$24,132All other assets
$450,339Total liabilities and capital
$372,481Total liabilities
$365,213Total deposits
$372,481Interest-bearing deposits
$89Deposits held in domestic offices
11586.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$65,079Trading liabilities
$0Other borrowed funds
$1,193Subordinated debt
$48,445All other liabilities
$48,445Total equity capital
$48,445Total bank equity capital
$2,500Perpetual preferred stock
$10,021Common stock
$25,830Surplus
$10,094Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$1,387Long-term assets (5+ years)
$470,472Average Assets, year-to-date
$72,972Average Assets, quarterly
$493,939Volatile liabilities
$491,095Insider loans
$372,194FHLB advances
$491,470Loans and leases held for sale
$11,604Unused loan commitments
$7,687Tier 1 (core) risk-based capital
$49,317Tier 2 risk-based capital
$0Total risk weighted assets
$3,917Total unused commitments
$53,132Restructured Loans and leases
$3,187Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$19,954Total interest income
$6,321Total interest expense
$13,633Net interest income
$373Provision for loan and lease losses
$913Total noninterest income
$0Fiduciary activities
$129Service charges on deposit accounts
$0Trading account gains & fees
$784Additional noninterest income
$6,486Total noninterest expense
$3,116Salaries and employee benefits
$976Premises and equipment expense
$2,394Additional noninterest expense
$7,687Pre-tax net operating income
$222Securities gains (losses)
$2,475Applicable income taxes
$5,434Income before extraordinary items
$0Extraordinary gains - net
$5,434Net income attributable to bank
$0Net charge-offs
$5,434Cash dividends
$246Sale, conversion, retirement of capital stock, net
$2,925Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.29%Yield on earning assets
1.36%Cost of funding earning assets
2.93%Net interest margin
0.20%Noninterest income to earning assets
1.39%Noninterest expense to earning assets
1.07%Net operating income to assets
1.10%Return on assets (ROA)
1.60%Pretax return on assets
11.11%Return on equity (ROE)
5.13%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
151.63%Credit loss provision to net charge-offs
32.76%Efficiency ratio
44,590Assets per employee
10.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.83%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
80.60%Net loans and leases to core deposits
82.06%Equity capital to assets
9.71%Core capital (leverage) ratio
10.03%Tier 1 risk-based capital ratio
13.25%Total risk-based capital ratio
Memoranda
$14Average assets
$493,939Average earning assets
$48,889Average equity
$465,542Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
57185
American Bank
4029 West Tilghman Street, Allentown, PA 18104
June 02, 1997
Full Service Brick and Mortar
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