SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN INVESTORS BANK AND MORTGAGE

EDEN PRAIRIE, Minnesota 55344

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 3229642




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$91,700$98,902$95,674
Loans Receivable, Net44,95834,10435,704
Mortgage-Backed Securities38,50959,52755,137
Investments5,9061,6221,993
Deposits61,72464,38168,027
Borrowings23,02328,07020,498
Equity6,8566,3196,721
Net Interest Income1,3393,0382,929
Fee Income5810
Overhead7911,5421,501
Net Operating Income3241,5061,186
Net Income220953700
Ratio Analysis Profitability%%%
Return on Assets *0.820.950.77
Operating Return on Assets *1.291.511.30
Return on Equity *12.0714.909.86
Net Interest Margin *3.123.123.25
Fee Income / Assets *0.010.010.01
Overhead / Assets *1.661.541.65
Efficiency Ratio58.2949.8548.34
Asset Quality%%%
Nonperforming Assets / Assets0.340.450.61
Nonperforming Assets / Equity & Loss Reserves4.176.507.73
Loss Reserves / Nonperforming Loans173.70114.66154.69
1-4 Fam Mtg + MBS / Assets89.4193.8894.97
Commercial Real Estate Loans / Assets0.000.080.09
Construction Loans / Assets0.410.080.15
Commercial & Industrial Loans / Assets0.080.090.08
Consumer Loans / Assets0.770.650.56
Capitalization%%%
Equity / Assets7.486.397.02
Tangible Capital / Tangible Assets7.486.397.02
Risk-based Capital Ratio15.7917.2616.36
Liquidity%%%
Loans / Deposits72.8452.9752.49
Non-Interest Bearing Deposits / Deposits0.330.631.43
Purchased Liabilities28.0930.5823.91

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