Institution Failure effective: 5/16/2014

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 March 31, 2014
Federal Reserve System Identifier 3358252




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$66,309$66,273$81,144
Loans Receivable, Net43,41945,64556,299
Mortgage-Backed Securities135146201
Investments8,2988,24011,281
Deposits65,03164,54476,692
Borrowings000
Equity9101,3224,114
Net Interest Income3862,0192,358
Fee Income2069287
Overhead1,0334,8494,391
Net Operating Income-473-2,094-781
Net Income-473-2,094-781
Ratio Analysis Profitability%%%
Return on Assets *-2.87-2.64-0.93
Operating Return on Assets *-2.87-2.64-0.93
Return on Equity *-129.80-84.63-14.71
Net Interest Margin *2.972.963.05
Fee Income / Assets *0.100.090.34
Overhead / Assets *6.236.115.20
Efficiency Ratio213.43214.37137.26
Asset Quality%%%
Nonperforming Assets / Assets23.4024.7916.54
Nonperforming Assets / Equity & Loss Reserves590.53522.92194.09
Loss Reserves / Nonperforming Loans24.5319.5431.58
1-4 Fam Mtg + MBS / Assets19.4220.7920.20
Commercial Real Estate Loans / Assets43.0745.2945.06
Construction Loans / Assets1.911.912.87
Commercial & Industrial Loans / Assets3.853.784.87
Consumer Loans / Assets0.030.070.09
Capitalization%%%
Equity / Assets1.371.995.07
Tangible Capital / Tangible Assets1.371.995.07
Risk-based Capital Ratio3.564.438.06
Liquidity%%%
Loans / Deposits66.7770.7273.41
Non-Interest Bearing Deposits / Deposits6.727.935.53
Purchased Liabilities11.8811.118.83

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