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SAFE & SOUND® STAR RATINGS

Financial statement

AZTECAMERICA BANK
2136 SOUTH OAK PARK AVENUE
BERWYN, Illinois 60402

STAR RATING: 1 star
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 3358252




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$81,144$87,375$94,033
Loans Receivable, Net56,29962,39371,215
Mortgage-Backed Securities2012981,392
Investments11,28111,76711,796
Deposits76,69279,99186,144
Borrowings000
Equity4,1146,3327,652
Net Interest Income2,3583,0242,795
Fee Income28712760
Overhead4,3913,9813,648
Net Operating Income-781600-1,570
Net Income-781600-1,570
Ratio Analysis Profitability%%%
Return on Assets *-0.930.67-1.69
Operating Return on Assets *-0.930.67-1.69
Return on Equity *-14.718.72-18.66
Net Interest Margin *3.053.643.14
Fee Income / Assets *0.340.140.06
Overhead / Assets *5.204.483.93
Efficiency Ratio137.26110.28120.24
Asset Quality%%%
Nonperforming Assets / Assets16.5413.8412.94
Nonperforming Assets / Equity & Loss Reserves194.09135.45121.97
Loss Reserves / Nonperforming Loans31.584.163.26
1-4 Fam Mtg + MBS / Assets20.2022.2622.62
Commercial Real Estate Loans / Assets45.0642.5043.41
Construction Loans / Assets2.873.815.65
Commercial & Industrial Loans / Assets4.876.065.41
Consumer Loans / Assets0.090.090.12
Capitalization%%%
Equity / Assets5.077.258.14
Tangible Capital / Tangible Assets5.077.258.14
Risk-based Capital Ratio8.0610.8212.42
Liquidity%%%
Loans / Deposits73.4178.0082.67
Non-Interest Bearing Deposits / Deposits5.535.734.83
Purchased Liabilities8.8324.6120.81

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.43%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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