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SAFE & SOUND® STAR RATINGS

AMERICAN BANK OF COMMERCE

3670 NORTH UNIVERSITY AVENUE
PROVO, Utah 84604

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 2493697




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$69,209$70,055$84,292
Loans Receivable, Net47,12145,15743,059
Mortgage-Backed Securities000
Investments000
Deposits58,35659,41873,726
Borrowings004
Equity10,66310,5469,949
Net Interest Income7782,7662,868
Fee Income195485
Overhead8763,2503,034
Net Operating Income829631,301
Net Income116597816
Ratio Analysis Profitability%%%
Return on Assets *0.960.791.04
Operating Return on Assets *1.401.271.65
Return on Equity *6.635.828.57
Net Interest Margin *4.293.943.88
Fee Income / Assets *0.080.070.11
Overhead / Assets *4.654.303.85
Efficiency Ratio82.8075.7968.83
Asset Quality%%%
Nonperforming Assets / Assets0.751.520.71
Nonperforming Assets / Equity & Loss Reserves4.609.455.62
Loss Reserves / Nonperforming Loans111.8070.32111.24
1-4 Fam Mtg + MBS / Assets6.798.616.69
Commercial Real Estate Loans / Assets45.5543.4129.09
Construction Loans / Assets11.009.2211.51
Commercial & Industrial Loans / Assets4.203.433.71
Consumer Loans / Assets1.360.930.85
Capitalization%%%
Equity / Assets15.4115.0511.80
Tangible Capital / Tangible Assets15.4115.0511.80
Risk-based Capital Ratio22.4323.2920.83
Liquidity%%%
Loans / Deposits80.7576.0058.40
Non-Interest Bearing Deposits / Deposits39.5536.2638.79
Purchased Liabilities5.615.546.54

* Calculations are based on the latest four quarters of income and expense.
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