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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 September 30, 2015
Federal Reserve System Identifier 3229642




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$96,689$87,202$98,902
Loans Receivable, Net62,44347,84434,104
Mortgage-Backed Securities26,35731,43759,527
Investments4,8265,7181,622
Deposits61,98057,66064,381
Borrowings26,50022,00328,070
Equity7,5897,4426,319
Net Interest Income1,8572,6783,038
Fee Income288
Overhead1,5321,6291,542
Net Operating Income2807871,506
Net Income188450953
Ratio Analysis Profitability%%%
Return on Assets *0.310.500.95
Operating Return on Assets *0.590.871.51
Return on Equity *3.666.4814.90
Net Interest Margin *2.873.043.12
Fee Income / Assets *0.000.010.01
Overhead / Assets *2.201.801.54
Efficiency Ratio79.6760.0249.85
Asset Quality%%%
Nonperforming Assets / Assets1.200.550.45
Nonperforming Assets / Equity & Loss Reserves14.636.156.50
Loss Reserves / Nonperforming Loans83.0683.20114.66
1-4 Fam Mtg + MBS / Assets87.9988.5293.88
Commercial Real Estate Loans / Assets0.000.000.08
Construction Loans / Assets0.260.430.08
Commercial & Industrial Loans / Assets0.780.420.09
Consumer Loans / Assets0.600.880.65
Capitalization%%%
Equity / Assets7.858.536.39
Tangible Capital / Tangible Assets7.858.536.39
Risk-based Capital Ratio12.0315.8117.26
Liquidity%%%
Loans / Deposits100.7582.9852.97
Non-Interest Bearing Deposits / Deposits1.420.510.63
Purchased Liabilities30.7329.0330.58

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