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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 March 31, 2015
Federal Reserve System Identifier 3229642




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$85,831$87,202$98,902
Loans Receivable, Net47,09047,84434,104
Mortgage-Backed Securities30,45431,43759,527
Investments5,3255,7181,622
Deposits58,26257,66064,381
Borrowings20,00022,00328,070
Equity7,4697,4426,319
Net Interest Income5932,6783,038
Fee Income288
Overhead4151,6291,542
Net Operating Income1337871,506
Net Income92450953
Ratio Analysis Profitability%%%
Return on Assets *0.450.500.95
Operating Return on Assets *0.800.871.51
Return on Equity *5.626.4814.90
Net Interest Margin *2.933.043.12
Fee Income / Assets *0.010.010.01
Overhead / Assets *1.851.801.54
Efficiency Ratio69.0560.0249.85
Asset Quality%%%
Nonperforming Assets / Assets0.540.550.45
Nonperforming Assets / Equity & Loss Reserves5.966.156.50
Loss Reserves / Nonperforming Loans79.6683.20114.66
1-4 Fam Mtg + MBS / Assets88.0788.5293.88
Commercial Real Estate Loans / Assets0.000.000.08
Construction Loans / Assets0.340.430.08
Commercial & Industrial Loans / Assets0.540.420.09
Consumer Loans / Assets0.730.880.65
Capitalization%%%
Equity / Assets8.708.536.39
Tangible Capital / Tangible Assets8.708.536.39
Risk-based Capital Ratio16.4115.8117.26
Liquidity%%%
Loans / Deposits80.8282.9852.97
Non-Interest Bearing Deposits / Deposits0.720.510.63
Purchased Liabilities27.2729.0330.58

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