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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, 2015
Federal Reserve System Identifier 287856




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$30,351$29,779$30,043
Loans Receivable, Net4,8205,4175,395
Mortgage-Backed Securities000
Investments13,29015,32014,293
Deposits23,76323,26823,636
Borrowings000
Equity6,4076,2986,191
Net Interest Income845888856
Fee Income9299118
Overhead885887962
Net Operating Income10915771
Net Income10915771
Ratio Analysis Profitability%%%
Return on Assets *0.350.500.23
Operating Return on Assets *0.350.500.23
Return on Equity *1.722.501.15
Net Interest Margin *2.933.133.01
Fee Income / Assets *0.290.320.38
Overhead / Assets *2.812.843.11
Efficiency Ratio89.0384.4092.86
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 / Assets3.844.284.87
Commercial Real Estate Loans / Assets1.231.541.91
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.311.230.88
Consumer Loans / Assets5.756.246.68
Capitalization%%%
Equity / Assets21.1121.1520.61
Tangible Capital / Tangible Assets21.1121.1520.61
Risk-based Capital Ratio69.9959.8059.31
Liquidity%%%
Loans / Deposits20.2823.2822.83
Non-Interest Bearing Deposits / Deposits27.2527.2028.85
Purchased Liabilities3.503.563.52

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