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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 September 30, 2015
Federal Reserve System Identifier 2533043




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$64,098$61,021$70,501
Loans Receivable, Net48,42344,94242,960
Mortgage-Backed Securities000
Investments000
Deposits53,85050,44257,465
Borrowings4,0004,2507,175
Equity5,8765,8825,535
Net Interest Income1,7092,2621,928
Fee Income408383
Overhead1,9752,9053,057
Net Operating Income-131-653-3,842
Net Income-131-653-3,842
Ratio Analysis Profitability%%%
Return on Assets *0.76-1.02-5.14
Operating Return on Assets *0.76-1.02-5.14
Return on Equity *8.07-12.10-95.80
Net Interest Margin *4.393.942.95
Fee Income / Assets *0.100.130.11
Overhead / Assets *3.634.534.09
Efficiency Ratio107.10136.58197.23
Asset Quality%%%
Nonperforming Assets / Assets10.4111.0023.68
Nonperforming Assets / Equity & Loss Reserves89.8189.87225.43
Loss Reserves / Nonperforming Loans29.0732.1716.39
1-4 Fam Mtg + MBS / Assets20.1720.4816.17
Commercial Real Estate Loans / Assets53.2249.5342.32
Construction Loans / Assets1.350.580.58
Commercial & Industrial Loans / Assets3.225.494.06
Consumer Loans / Assets0.000.090.41
Capitalization%%%
Equity / Assets9.179.647.85
Tangible Capital / Tangible Assets9.179.647.85
Risk-based Capital Ratio14.2415.4113.57
Liquidity%%%
Loans / Deposits89.9289.1074.76
Non-Interest Bearing Deposits / Deposits10.457.957.37
Purchased Liabilities8.139.3511.77

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