SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN INVESTORS BANK AND MORTGAGE
6385 OLD SHADY OAK ROAD SUITE 110
EDEN PRAIRIE, Minnesota 55344

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 3229642




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$98,902$95,674$84,679
Loans Receivable, Net34,10435,70438,602
Mortgage-Backed Securities59,52755,13744,351
Investments1,6221,9930
Deposits64,38168,02757,139
Borrowings28,07020,49820,092
Equity6,3196,7216,953
Net Interest Income3,0382,9293,228
Fee Income81033
Overhead1,5421,5011,717
Net Operating Income1,5061,1861,153
Net Income953700435
Ratio Analysis Profitability%%%
Return on Assets *0.950.770.86
Operating Return on Assets *1.511.301.46
Return on Equity *14.909.8610.36
Net Interest Margin *3.123.254.16
Fee Income / Assets *0.010.010.04
Overhead / Assets *1.541.652.18
Efficiency Ratio49.8548.344483.00
Asset Quality%%%
Nonperforming Assets / Assets0.450.610.80
Nonperforming Assets / Equity & Loss Reserves6.507.738.74
Loss Reserves / Nonperforming Loans114.66154.692.17
1-4 Fam Mtg + MBS / Assets93.8894.9797.27
Commercial Real Estate Loans / Assets0.080.090.65
Construction Loans / Assets0.080.150.10
Commercial & Industrial Loans / Assets0.090.080.09
Consumer Loans / Assets0.650.560.62
Capitalization%%%
Equity / Assets6.397.028.21
Tangible Capital / Tangible Assets6.397.028.21
Risk-based Capital Ratio17.2616.3616.10
Liquidity%%%
Loans / Deposits52.9752.4967.56
Non-Interest Bearing Deposits / Deposits0.631.43n/a
Purchased Liabilities30.5823.9135.72

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