SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN BANK, THE
201 EAST CHEROKEE
WAGONER, Oklahoma 74477

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 287856




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$30,043$29,871$28,419
Loans Receivable, Net5,3956,5927,354
Mortgage-Backed Securities000
Investments14,29312,17312,957
Deposits23,63623,52822,050
Borrowings000
Equity6,1916,1206,133
Net Interest Income856891884
Fee Income118138165
Overhead962949958
Net Operating Income71-13111
Net Income71-13111
Ratio Analysis Profitability%%%
Return on Assets *0.23-0.040.37
Operating Return on Assets *0.23-0.040.37
Return on Equity *1.15-0.211.82
Net Interest Margin *3.013.313.43
Fee Income / Assets *0.380.460.55
Overhead / Assets *3.113.193.20
Efficiency Ratio92.8686.5986.00
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/a3.41
1-4 Fam Mtg + MBS / Assets4.874.464.85
Commercial Real Estate Loans / Assets1.913.023.58
Construction Loans / Assets0.000.440.00
Commercial & Industrial Loans / Assets0.881.891.74
Consumer Loans / Assets6.687.208.27
Capitalization%%%
Equity / Assets20.6120.4921.58
Tangible Capital / Tangible Assets20.6120.4921.58
Risk-based Capital Ratio59.3158.1657.26
Liquidity%%%
Loans / Deposits22.8328.0233.35
Non-Interest Bearing Deposits / Deposits28.8527.2024.40
Purchased Liabilities3.524.628.84

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