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SAFE & SOUND® STAR RATINGS

AMERICAN INVESTORS BANK AND MORTGAGE


EDEN PRAIRIE, Minnesota 55344

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 3229642




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$87,202$98,902$95,674
Loans Receivable, Net47,84434,10435,704
Mortgage-Backed Securities31,43759,52755,137
Investments5,7181,6221,993
Deposits57,66064,38168,027
Borrowings22,00328,07020,498
Equity7,4426,3196,721
Net Interest Income2,6783,0382,929
Fee Income8810
Overhead1,6291,5421,501
Net Operating Income7871,5061,186
Net Income450953700
Ratio Analysis Profitability%%%
Return on Assets *0.500.950.77
Operating Return on Assets *0.871.511.30
Return on Equity *6.4814.909.86
Net Interest Margin *3.043.123.25
Fee Income / Assets *0.010.010.01
Overhead / Assets *1.801.541.65
Efficiency Ratio60.0249.8548.34
Asset Quality%%%
Nonperforming Assets / Assets0.550.450.61
Nonperforming Assets / Equity & Loss Reserves6.156.507.73
Loss Reserves / Nonperforming Loans83.20114.66154.69
1-4 Fam Mtg + MBS / Assets88.5293.8894.97
Commercial Real Estate Loans / Assets0.000.080.09
Construction Loans / Assets0.430.080.15
Commercial & Industrial Loans / Assets0.420.090.08
Consumer Loans / Assets0.880.650.56
Capitalization%%%
Equity / Assets8.536.397.02
Tangible Capital / Tangible Assets8.536.397.02
Risk-based Capital Ratio15.8117.2616.36
Liquidity%%%
Loans / Deposits82.9852.9752.49
Non-Interest Bearing Deposits / Deposits0.510.631.43
Purchased Liabilities29.0330.5823.91

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