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SAFE & SOUND® STAR RATINGS

AMERICAN METRO BANK

4878 NORTH BROADWAY
CHICAGO, Illinois 60640

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 2533043




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$63,479$61,021$70,501
Loans Receivable, Net45,49844,94242,960
Mortgage-Backed Securities000
Investments000
Deposits54,27550,44257,465
Borrowings3,0004,2507,175
Equity5,7765,8825,535
Net Interest Income2,2762,2621,928
Fee Income498383
Overhead2,6032,9053,057
Net Operating Income-231-653-3,842
Net Income-231-653-3,842
Ratio Analysis Profitability%%%
Return on Assets *-0.37-1.02-5.14
Operating Return on Assets *-0.37-1.02-5.14
Return on Equity *-3.97-12.10-95.80
Net Interest Margin *3.803.942.95
Fee Income / Assets *0.080.130.11
Overhead / Assets *4.174.534.09
Efficiency Ratio109.74136.58197.23
Asset Quality%%%
Nonperforming Assets / Assets7.7911.0023.68
Nonperforming Assets / Equity & Loss Reserves71.3689.87225.43
Loss Reserves / Nonperforming Loans36.4032.1716.39
1-4 Fam Mtg + MBS / Assets20.7820.4816.17
Commercial Real Estate Loans / Assets47.8949.5342.32
Construction Loans / Assets1.800.580.58
Commercial & Industrial Loans / Assets3.025.494.06
Consumer Loans / Assets0.000.090.41
Capitalization%%%
Equity / Assets9.109.647.85
Tangible Capital / Tangible Assets9.109.647.85
Risk-based Capital Ratio14.6615.4113.57
Liquidity%%%
Loans / Deposits83.8389.1074.76
Non-Interest Bearing Deposits / Deposits8.797.957.37
Purchased Liabilities9.979.3511.77

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