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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 December 31, 2014
Federal Reserve System Identifier 287856




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$29,779$30,043$29,871
Loans Receivable, Net5,4175,3956,592
Mortgage-Backed Securities000
Investments15,32014,29312,173
Deposits23,26823,63623,528
Borrowings000
Equity6,2986,1916,120
Net Interest Income888856891
Fee Income99118138
Overhead887962949
Net Operating Income15771-13
Net Income15771-13
Ratio Analysis Profitability%%%
Return on Assets *0.500.23-0.04
Operating Return on Assets *0.500.23-0.04
Return on Equity *2.501.15-0.21
Net Interest Margin *3.133.013.31
Fee Income / Assets *0.320.380.46
Overhead / Assets *2.843.113.19
Efficiency Ratio84.4092.8686.59
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.020.000.00
Loss Reserves / Nonperforming Loans7300.00n/an/a
1-4 Fam Mtg + MBS / Assets4.284.874.46
Commercial Real Estate Loans / Assets1.541.913.02
Construction Loans / Assets0.000.000.44
Commercial & Industrial Loans / Assets1.230.881.89
Consumer Loans / Assets6.246.687.20
Capitalization%%%
Equity / Assets21.1520.6120.49
Tangible Capital / Tangible Assets21.1520.6120.49
Risk-based Capital Ratio59.8059.3158.16
Liquidity%%%
Loans / Deposits23.2822.8328.02
Non-Interest Bearing Deposits / Deposits27.2028.8527.20
Purchased Liabilities3.563.524.62

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