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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, 2016
Federal Reserve System Identifier 287856




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$30,404$30,351$29,779
Loans Receivable, Net4,7404,8205,417
Mortgage-Backed Securities000
Investments13,07313,29015,320
Deposits23,82223,76323,268
Borrowings000
Equity6,4106,4076,298
Net Interest Income206845888
Fee Income209299
Overhead235885887
Net Operating Income3109157
Net Income3109157
Ratio Analysis Profitability%%%
Return on Assets *0.350.350.50
Operating Return on Assets *0.350.350.50
Return on Equity *1.711.722.50
Net Interest Margin *2.902.933.13
Fee Income / Assets *0.270.290.32
Overhead / Assets *2.752.812.84
Efficiency Ratio98.7489.0384.40
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.02
Loss Reserves / Nonperforming Loansn/an/a7300.00
1-4 Fam Mtg + MBS / Assets3.783.844.28
Commercial Real Estate Loans / Assets1.051.231.54
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.251.311.23
Consumer Loans / Assets5.585.756.24
Capitalization%%%
Equity / Assets21.0821.1121.15
Tangible Capital / Tangible Assets21.0821.1121.15
Risk-based Capital Ratio70.8269.9959.80
Liquidity%%%
Loans / Deposits19.9020.2823.28
Non-Interest Bearing Deposits / Deposits27.1627.2527.20
Purchased Liabilities3.493.503.56

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