SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN BANK, THE
201 EAST CHEROKEE
WAGONER, Oklahoma 74477

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 287856




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$30,592$30,043$29,871
Loans Receivable, Net5,1855,3956,592
Mortgage-Backed Securities000
Investments15,54614,29312,173
Deposits24,16323,63623,528
Borrowings000
Equity6,2146,1916,120
Net Interest Income218856891
Fee Income26118138
Overhead230962949
Net Operating Income2371-13
Net Income2371-13
Ratio Analysis Profitability%%%
Return on Assets *0.220.23-0.04
Operating Return on Assets *0.220.23-0.04
Return on Equity *1.131.15-0.21
Net Interest Margin *3.013.013.31
Fee Income / Assets *0.360.380.46
Overhead / Assets *3.063.113.19
Efficiency Ratio89.1592.8686.59
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 / Assets4.714.874.46
Commercial Real Estate Loans / Assets1.661.913.02
Construction Loans / Assets0.000.000.44
Commercial & Industrial Loans / Assets0.890.881.89
Consumer Loans / Assets6.216.687.20
Capitalization%%%
Equity / Assets20.3120.6120.49
Tangible Capital / Tangible Assets20.3120.6120.49
Risk-based Capital Ratio60.6759.3158.16
Liquidity%%%
Loans / Deposits21.4622.8328.02
Non-Interest Bearing Deposits / Deposits28.8728.8527.20
Purchased Liabilities3.463.524.62

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