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SAFE & SOUND® STAR RATINGS

AMERICAN METRO BANK

4878 NORTH BROADWAY
CHICAGO, Illinois 60640

STAR RATING: 2 starstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 2533043




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$62,248$63,479$61,021
Loans Receivable, Net44,10645,49844,942
Mortgage-Backed Securities000
Investments000
Deposits51,15854,27550,442
Borrowings4,0003,0004,250
Equity6,7785,7765,882
Net Interest Income5682,2762,262
Fee Income154983
Overhead6292,6032,905
Net Operating Income2-231-653
Net Income2-231-653
Ratio Analysis Profitability%%%
Return on Assets *-0.18-0.37-1.02
Operating Return on Assets *-0.18-0.37-1.02
Return on Equity *-1.84-3.97-12.10
Net Interest Margin *3.843.803.94
Fee Income / Assets *0.080.080.13
Overhead / Assets *4.094.174.53
Efficiency Ratio99.68109.74136.58
Asset Quality%%%
Nonperforming Assets / Assets7.817.7911.00
Nonperforming Assets / Equity & Loss Reserves61.2271.3689.87
Loss Reserves / Nonperforming Loans39.0536.4032.17
1-4 Fam Mtg + MBS / Assets20.2520.7820.48
Commercial Real Estate Loans / Assets49.1347.8949.53
Construction Loans / Assets0.301.800.58
Commercial & Industrial Loans / Assets3.043.025.49
Consumer Loans / Assets0.000.000.09
Capitalization%%%
Equity / Assets10.899.109.64
Tangible Capital / Tangible Assets10.899.109.64
Risk-based Capital Ratio17.5914.6615.41
Liquidity%%%
Loans / Deposits86.2283.8389.10
Non-Interest Bearing Deposits / Deposits11.038.797.95
Purchased Liabilities10.509.979.35

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