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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, 2014
Federal Reserve System Identifier 2533043




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$61,721$70,501$79,529
Loans Receivable, Net44,52942,96045,235
Mortgage-Backed Securities000
Investments000
Deposits53,07357,46568,131
Borrowings3,0007,1757,174
Equity5,2785,5353,678
Net Interest Income1,3661,9282,166
Fee Income638385
Overhead2,6163,0573,881
Net Operating Income-1,256-3,842-2,793
Net Income-1,256-3,842-2,793
Ratio Analysis Profitability%%%
Return on Assets *-2.06-5.14-3.41
Operating Return on Assets *-2.06-5.14-3.41
Return on Equity *-28.03-95.80-86.98
Net Interest Margin *3.072.953.32
Fee Income / Assets *0.120.110.10
Overhead / Assets *4.914.094.74
Efficiency Ratio183.58197.23238.39
Asset Quality%%%
Nonperforming Assets / Assets24.4523.6828.89
Nonperforming Assets / Equity & Loss Reserves208.18225.43342.79
Loss Reserves / Nonperforming Loans17.6716.3930.89
1-4 Fam Mtg + MBS / Assets20.9616.1718.16
Commercial Real Estate Loans / Assets48.2942.3238.19
Construction Loans / Assets0.380.580.66
Commercial & Industrial Loans / Assets5.514.063.64
Consumer Loans / Assets0.110.410.00
Capitalization%%%
Equity / Assets8.557.854.62
Tangible Capital / Tangible Assets8.557.854.62
Risk-based Capital Ratio13.5313.578.24
Liquidity%%%
Loans / Deposits83.9074.7666.39
Non-Interest Bearing Deposits / Deposits7.997.376.06
Purchased Liabilities7.6711.7711.70

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