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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 March 31, 2015
Federal Reserve System Identifier 287856




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$30,858$29,779$30,043
Loans Receivable, Net5,5975,4175,395
Mortgage-Backed Securities000
Investments14,45115,32014,293
Deposits24,35323,26823,636
Borrowings000
Equity6,3016,2986,191
Net Interest Income217888856
Fee Income2699118
Overhead253887962
Net Operating Income315771
Net Income315771
Ratio Analysis Profitability%%%
Return on Assets *0.440.500.23
Operating Return on Assets *0.440.500.23
Return on Equity *2.182.501.15
Net Interest Margin *3.123.133.01
Fee Income / Assets *0.320.320.38
Overhead / Assets *2.912.843.11
Efficiency Ratio98.8384.4092.86
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 / Assets4.074.284.87
Commercial Real Estate Loans / Assets1.441.541.91
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.321.230.88
Consumer Loans / Assets5.896.246.68
Capitalization%%%
Equity / Assets20.4221.1520.61
Tangible Capital / Tangible Assets20.4221.1520.61
Risk-based Capital Ratio60.9759.8059.31
Liquidity%%%
Loans / Deposits22.9823.2822.83
Non-Interest Bearing Deposits / Deposits28.6227.2028.85
Purchased Liabilities3.443.563.52

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