American Investors Bank and Mortgage

American Investors Bank and Mortgage is headquartered in Eden Prairie and is the 199^th largest bank in the state of Minnesota. It is also the 5,356^th largest bank in the nation. It was established in 2004 and as of December of 2011, it had grown to 8 employees at 1 location. American Investors Bank and Mortgage's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics American Investors Bank and Mortgage OTS # 17958 FDIC Certificate # 57695 BankRate Report View Year Established 2004 Employees 8 Primary Regulator OCC Assets and Liabilities Assets $84.68 million Loans $38.42 million Deposits $57.14 million Equity Capital $6.95 million Loan Loss Allowance $837,000 Unbacked Noncurrent Loans $581,000 Real Estate Owned $100,000 Historic Data - December 2010 Assets $71.93 million Equity Capital $6.05 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $1.12 million Real Estate Owned $131,000 Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 0.87% Return on Equity 10.53% Interest Income $3.92 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Investors Bank and Mortgage had $681,000 in non-current loans and owned real-estate with $7.79 million in equity and loan loss allowances on hand to cover it. This gives American Investors Bank and Mortgage a Texas Ratio of 8.74% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Investors Bank and Mortgage decreased significantly from 17.65% as of December 31, 2010 to 8.74% as of December 31, 2011, resulting in a positive change of 50.48%.This indicates that the balance sheet and financial strength for American Investors Bank and Mortgage has improved significantly in recent periods. Deposit Growth In the past year, American Investors Bank and Mortgage has increased its total deposits by $9.72 million, resulting in 20.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Investors Bank and Mortgage has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Investors Bank and Mortgage has $84.68 million in assets with $7.79 million in equity, resulting in a capitalization level of 9.20%, which is average.

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