SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN METRO BANK
4878 NORTH BROADWAY
CHICAGO, Illinois 60640

STAR RATING: 1 star
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 2533043




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$70,501$79,529$85,728
Loans Receivable, Net42,96045,23553,207
Mortgage-Backed Securities000
Investments000
Deposits57,46568,13173,904
Borrowings7,1757,1747,174
Equity5,5353,6784,364
Net Interest Income1,9282,1662,507
Fee Income838589
Overhead3,0573,8813,657
Net Operating Income-3,842-2,793-3,357
Net Income-3,842-2,793-3,357
Ratio Analysis Profitability%%%
Return on Assets *-5.14-3.41-3.69
Operating Return on Assets *-5.14-3.41-3.69
Return on Equity *-95.80-86.98-66.18
Net Interest Margin *2.953.323.31
Fee Income / Assets *0.110.100.10
Overhead / Assets *4.094.744.02
Efficiency Ratio197.23238.39133.71
Asset Quality%%%
Nonperforming Assets / Assets23.6828.8926.19
Nonperforming Assets / Equity & Loss Reserves225.43342.79326.44
Loss Reserves / Nonperforming Loans16.3930.894.73
1-4 Fam Mtg + MBS / Assets16.1718.1617.59
Commercial Real Estate Loans / Assets42.3238.1943.68
Construction Loans / Assets0.580.660.75
Commercial & Industrial Loans / Assets4.063.642.91
Consumer Loans / Assets0.410.000.02
Capitalization%%%
Equity / Assets7.854.625.09
Tangible Capital / Tangible Assets7.854.625.09
Risk-based Capital Ratio13.578.246.77
Liquidity%%%
Loans / Deposits74.7666.3971.99
Non-Interest Bearing Deposits / Deposits7.376.065.27
Purchased Liabilities11.7711.7052.84

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