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SAFE & SOUND® STAR RATINGS

AMERICAN INVESTORS BANK AND MORTGAGE


EDEN PRAIRIE, Minnesota 55344

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 3229642




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$93,933$96,124$87,202
Loans Receivable, Net66,84365,24547,844
Mortgage-Backed Securities19,37623,31531,437
Investments4,3434,4975,718
Deposits60,11562,16657,660
Borrowings25,65425,78422,003
Equity7,5297,5247,442
Net Interest Income7262,5262,678
Fee Income028
Overhead5382,2131,629
Net Operating Income-121251787
Net Income-72151450
Ratio Analysis Profitability%%%
Return on Assets *-0.010.160.50
Operating Return on Assets *0.000.270.87
Return on Equity *-0.172.016.48
Net Interest Margin *2.952.863.04
Fee Income / Assets *0.000.000.01
Overhead / Assets *2.502.421.80
Efficiency Ratio70.8885.0860.02
Asset Quality%%%
Nonperforming Assets / Assets1.221.180.55
Nonperforming Assets / Equity & Loss Reserves14.2914.526.15
Loss Reserves / Nonperforming Loans141.0372.0483.20
1-4 Fam Mtg + MBS / Assets88.3787.9388.52
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.250.330.43
Commercial & Industrial Loans / Assets0.000.310.42
Consumer Loans / Assets0.440.560.88
Capitalization%%%
Equity / Assets8.027.838.53
Tangible Capital / Tangible Assets8.027.838.53
Risk-based Capital Ratio12.1111.8215.81
Liquidity%%%
Loans / Deposits111.19104.9582.98
Non-Interest Bearing Deposits / Deposits0.430.560.51
Purchased Liabilities30.4729.9429.03

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