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SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN BANK OF COMMERCE
3670 NORTH UNIVERSITY AVENUE
PROVO, Utah 84604

STAR RATING: 4 starstarstarstar G
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 2493697




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$60,240$46,229$53,112
Loans Receivable, Net32,64432,33831,370
Mortgage-Backed Securities000
Investments000
Deposits51,29837,76545,004
Borrowings405670
Equity8,5628,1837,977
Net Interest Income2,4792,2252,152
Fee Income158107129
Overhead2,9342,7092,394
Net Operating Income631387-375
Net Income380206-188
Ratio Analysis Profitability%%%
Return on Assets *0.770.41-0.38
Operating Return on Assets *1.270.78-0.76
Return on Equity *4.572.55-2.32
Net Interest Margin *5.235.214.88
Fee Income / Assets *0.320.220.26
Overhead / Assets *5.925.494.87
Efficiency Ratio76.8379.6196.03
Asset Quality%%%
Nonperforming Assets / Assets2.234.927.75
Nonperforming Assets / Equity & Loss Reserves14.6824.6446.57
Loss Reserves / Nonperforming Loans58.783.232.74
1-4 Fam Mtg + MBS / Assets10.3717.6511.42
Commercial Real Estate Loans / Assets33.0136.2828.88
Construction Loans / Assets5.3314.4413.28
Commercial & Industrial Loans / Assets5.502.453.54
Consumer Loans / Assets1.112.072.13
Capitalization%%%
Equity / Assets14.2117.7015.02
Tangible Capital / Tangible Assets14.2117.7015.02
Risk-based Capital Ratio22.4822.8921.30
Liquidity%%%
Loans / Deposits63.6485.6369.70
Non-Interest Bearing Deposits / Deposits40.5634.6025.98
Purchased Liabilities3.4115.3021.32

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
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