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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 December 31, 2015
Federal Reserve System Identifier 3229642




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$96,124$87,202$98,902
Loans Receivable, Net65,24547,84434,104
Mortgage-Backed Securities23,31531,43759,527
Investments4,4975,7181,622
Deposits62,16657,66064,381
Borrowings25,78422,00328,070
Equity7,5247,4426,319
Net Interest Income2,5262,6783,038
Fee Income288
Overhead2,2131,6291,542
Net Operating Income2517871,506
Net Income151450953
Ratio Analysis Profitability%%%
Return on Assets *0.160.500.95
Operating Return on Assets *0.270.871.51
Return on Equity *2.016.4814.90
Net Interest Margin *2.863.043.12
Fee Income / Assets *0.000.010.01
Overhead / Assets *2.421.801.54
Efficiency Ratio85.0860.0249.85
Asset Quality%%%
Nonperforming Assets / Assets1.180.550.45
Nonperforming Assets / Equity & Loss Reserves14.526.156.50
Loss Reserves / Nonperforming Loans72.0483.20114.66
1-4 Fam Mtg + MBS / Assets87.9388.5293.88
Commercial Real Estate Loans / Assets0.000.000.08
Construction Loans / Assets0.330.430.08
Commercial & Industrial Loans / Assets0.310.420.09
Consumer Loans / Assets0.560.880.65
Capitalization%%%
Equity / Assets7.838.536.39
Tangible Capital / Tangible Assets7.838.536.39
Risk-based Capital Ratio11.8215.8117.26
Liquidity%%%
Loans / Deposits104.9582.9852.97
Non-Interest Bearing Deposits / Deposits0.560.510.63
Purchased Liabilities29.9429.0330.58

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