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SAFE & SOUND® STAR RATINGS

AMERICAN METRO BANK

4878 NORTH BROADWAY
CHICAGO, Illinois 60640

STAR RATING: 1 star
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 2533043




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$62,347$61,021$70,501
Loans Receivable, Net47,05144,94242,960
Mortgage-Backed Securities000
Investments000
Deposits52,67950,44257,465
Borrowings3,5004,2507,175
Equity5,7655,8825,535
Net Interest Income5442,2621,928
Fee Income168383
Overhead6972,9053,057
Net Operating Income-117-653-3,842
Net Income-117-653-3,842
Ratio Analysis Profitability%%%
Return on Assets *-0.16-1.02-5.14
Operating Return on Assets *-0.16-1.02-5.14
Return on Equity *-1.80-12.10-95.80
Net Interest Margin *4.073.942.95
Fee Income / Assets *0.120.130.11
Overhead / Assets *4.244.534.09
Efficiency Ratio120.17136.58197.23
Asset Quality%%%
Nonperforming Assets / Assets11.0711.0023.68
Nonperforming Assets / Equity & Loss Reserves93.1789.87225.43
Loss Reserves / Nonperforming Loans31.6832.1716.39
1-4 Fam Mtg + MBS / Assets20.1920.4816.17
Commercial Real Estate Loans / Assets54.0849.5342.32
Construction Loans / Assets0.550.580.58
Commercial & Industrial Loans / Assets3.255.494.06
Consumer Loans / Assets0.030.090.41
Capitalization%%%
Equity / Assets9.259.647.85
Tangible Capital / Tangible Assets9.259.647.85
Risk-based Capital Ratio14.1915.4113.57
Liquidity%%%
Loans / Deposits89.3289.1074.76
Non-Interest Bearing Deposits / Deposits8.017.957.37
Purchased Liabilities7.969.3511.77

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