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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 December 31, 2014
Federal Reserve System Identifier 2533043




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$61,021$70,501$79,529
Loans Receivable, Net44,94242,96045,235
Mortgage-Backed Securities000
Investments000
Deposits50,44257,46568,131
Borrowings4,2507,1757,174
Equity5,8825,5353,678
Net Interest Income2,2621,9282,166
Fee Income838385
Overhead2,9053,0573,881
Net Operating Income-653-3,842-2,793
Net Income-653-3,842-2,793
Ratio Analysis Profitability%%%
Return on Assets *-1.02-5.14-3.41
Operating Return on Assets *-1.02-5.14-3.41
Return on Equity *-12.10-95.80-86.98
Net Interest Margin *3.942.953.32
Fee Income / Assets *0.130.110.10
Overhead / Assets *4.534.094.74
Efficiency Ratio136.58197.23238.39
Asset Quality%%%
Nonperforming Assets / Assets11.0023.6828.89
Nonperforming Assets / Equity & Loss Reserves89.87225.43342.79
Loss Reserves / Nonperforming Loans32.1716.3930.89
1-4 Fam Mtg + MBS / Assets20.4816.1718.16
Commercial Real Estate Loans / Assets49.5342.3238.19
Construction Loans / Assets0.580.580.66
Commercial & Industrial Loans / Assets5.494.063.64
Consumer Loans / Assets0.090.410.00
Capitalization%%%
Equity / Assets9.647.854.62
Tangible Capital / Tangible Assets9.647.854.62
Risk-based Capital Ratio15.4113.578.24
Liquidity%%%
Loans / Deposits89.1074.7666.39
Non-Interest Bearing Deposits / Deposits7.957.376.06
Purchased Liabilities9.3511.7711.70

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