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, 2013
Federal Reserve System Identifier 3358252




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$66,273$81,144$87,375
Loans Receivable, Net45,64556,29962,393
Mortgage-Backed Securities146201298
Investments8,24011,28111,767
Deposits64,54476,69279,991
Borrowings000
Equity1,3224,1146,332
Net Interest Income2,0192,3583,024
Fee Income69287127
Overhead4,8494,3913,981
Net Operating Income-2,094-781600
Net Income-2,094-781600
Ratio Analysis Profitability%%%
Return on Assets *-2.64-0.930.67
Operating Return on Assets *-2.64-0.930.67
Return on Equity *-84.63-14.718.72
Net Interest Margin *2.963.053.64
Fee Income / Assets *0.090.340.14
Overhead / Assets *6.115.204.48
Efficiency Ratio214.37137.26110.28
Asset Quality%%%
Nonperforming Assets / Assets24.7916.5413.84
Nonperforming Assets / Equity & Loss Reserves522.92194.09135.45
Loss Reserves / Nonperforming Loans19.5431.584.16
1-4 Fam Mtg + MBS / Assets20.7920.2022.26
Commercial Real Estate Loans / Assets45.2945.0642.50
Construction Loans / Assets1.912.873.81
Commercial & Industrial Loans / Assets3.784.876.06
Consumer Loans / Assets0.070.090.09
Capitalization%%%
Equity / Assets1.995.077.25
Tangible Capital / Tangible Assets1.995.077.25
Risk-based Capital Ratio4.438.0610.82
Liquidity%%%
Loans / Deposits70.7273.4178.00
Non-Interest Bearing Deposits / Deposits7.935.535.73
Purchased Liabilities11.118.8324.61

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