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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, 2015
Federal Reserve System Identifier 287856




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$31,087$29,779$30,043
Loans Receivable, Net4,9145,4175,395
Mortgage-Backed Securities000
Investments13,53915,32014,293
Deposits24,52623,26823,636
Borrowings000
Equity6,3736,2986,191
Net Interest Income639888856
Fee Income7399118
Overhead682887962
Net Operating Income7515771
Net Income7515771
Ratio Analysis Profitability%%%
Return on Assets *0.320.500.23
Operating Return on Assets *0.320.500.23
Return on Equity *1.612.501.15
Net Interest Margin *3.013.133.01
Fee Income / Assets *0.310.320.38
Overhead / Assets *2.892.843.11
Efficiency Ratio90.0984.4092.86
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.020.00
Loss Reserves / Nonperforming Loansn/a7300.00n/a
1-4 Fam Mtg + MBS / Assets3.814.284.87
Commercial Real Estate Loans / Assets1.291.541.91
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.221.230.88
Consumer Loans / Assets5.896.246.68
Capitalization%%%
Equity / Assets20.5021.1520.61
Tangible Capital / Tangible Assets20.5021.1520.61
Risk-based Capital Ratio69.7959.8059.31
Liquidity%%%
Loans / Deposits20.0423.2822.83
Non-Interest Bearing Deposits / Deposits27.3827.2028.85
Purchased Liabilities3.413.563.52

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