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SAFE & SOUND® STAR RATINGS

AMERICAN BANK, THE

201 EAST CHEROKEE
WAGONER, Oklahoma 74477

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 287856




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$30,216$30,043$29,871
Loans Receivable, Net5,4435,3956,592
Mortgage-Backed Securities000
Investments15,31914,29312,173
Deposits23,68223,63623,528
Borrowings000
Equity6,3216,1916,120
Net Interest Income667856891
Fee Income73118138
Overhead659962949
Net Operating Income13071-13
Net Income13071-13
Ratio Analysis Profitability%%%
Return on Assets *0.430.23-0.04
Operating Return on Assets *0.430.23-0.04
Return on Equity *2.121.15-0.21
Net Interest Margin *3.083.013.31
Fee Income / Assets *0.330.380.46
Overhead / Assets *2.953.113.19
Efficiency Ratio83.4292.8686.59
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets4.534.874.46
Commercial Real Estate Loans / Assets1.601.913.02
Construction Loans / Assets0.000.000.44
Commercial & Industrial Loans / Assets1.290.881.89
Consumer Loans / Assets6.266.687.20
Capitalization%%%
Equity / Assets20.9220.6120.49
Tangible Capital / Tangible Assets20.9220.6120.49
Risk-based Capital Ratio59.7859.3158.16
Liquidity%%%
Loans / Deposits22.9822.8328.02
Non-Interest Bearing Deposits / Deposits30.1228.8527.20
Purchased Liabilities3.323.524.62

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