SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN METRO BANK
4878 NORTH BROADWAY
CHICAGO, Illinois 60640

STAR RATING: 1 star
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 2533043




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$63,746$70,501$79,529
Loans Receivable, Net44,01842,96045,235
Mortgage-Backed Securities000
Investments000
Deposits57,48157,46568,131
Borrowings1,0007,1757,174
Equity4,8665,5353,678
Net Interest Income4631,9282,166
Fee Income228385
Overhead9643,0573,881
Net Operating Income-669-3,842-2,793
Net Income-669-3,842-2,793
Ratio Analysis Profitability%%%
Return on Assets *-5.60-5.14-3.41
Operating Return on Assets *-5.60-5.14-3.41
Return on Equity *-94.69-95.80-86.98
Net Interest Margin *3.012.953.32
Fee Income / Assets *0.110.110.10
Overhead / Assets *4.454.094.74
Efficiency Ratio326.78197.23238.39
Asset Quality%%%
Nonperforming Assets / Assets25.4423.6828.89
Nonperforming Assets / Equity & Loss Reserves240.87225.43342.79
Loss Reserves / Nonperforming Loans15.1416.3930.89
1-4 Fam Mtg + MBS / Assets19.2016.1718.16
Commercial Real Estate Loans / Assets47.6342.3238.19
Construction Loans / Assets0.400.580.66
Commercial & Industrial Loans / Assets4.654.063.64
Consumer Loans / Assets0.040.410.00
Capitalization%%%
Equity / Assets7.637.854.62
Tangible Capital / Tangible Assets7.637.854.62
Risk-based Capital Ratio12.3113.578.24
Liquidity%%%
Loans / Deposits76.5874.7666.39
Non-Interest Bearing Deposits / Deposits7.687.376.06
Purchased Liabilities4.2811.7711.70

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