SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN INVESTORS BANK AND MORTGAGE

EDEN PRAIRIE, Minnesota 55344

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




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$92,452$98,902$95,674
Loans Receivable, Net46,90834,10435,704
Mortgage-Backed Securities37,02059,52755,137
Investments5,8401,6221,993
Deposits59,35364,38168,027
Borrowings25,95828,07020,498
Equity7,0456,3196,721
Net Interest Income2,0543,0382,929
Fee Income7810
Overhead1,1981,5421,501
Net Operating Income5381,5061,186
Net Income364953700
Ratio Analysis Profitability%%%
Return on Assets *0.680.950.77
Operating Return on Assets *1.081.511.30
Return on Equity *9.6014.909.86
Net Interest Margin *3.063.123.25
Fee Income / Assets *0.010.010.01
Overhead / Assets *1.671.541.65
Efficiency Ratio57.6049.8548.34
Asset Quality%%%
Nonperforming Assets / Assets0.470.450.61
Nonperforming Assets / Equity & Loss Reserves5.776.507.73
Loss Reserves / Nonperforming Loans123.97114.66154.69
1-4 Fam Mtg + MBS / Assets88.0893.8894.97
Commercial Real Estate Loans / Assets0.000.080.09
Construction Loans / Assets0.860.080.15
Commercial & Industrial Loans / Assets0.070.090.08
Consumer Loans / Assets1.360.650.56
Capitalization%%%
Equity / Assets7.626.397.02
Tangible Capital / Tangible Assets7.626.397.02
Risk-based Capital Ratio15.5417.2616.36
Liquidity%%%
Loans / Deposits79.0352.9752.49
Non-Interest Bearing Deposits / Deposits0.430.631.43
Purchased Liabilities31.4630.5823.91

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