FDIC Certificate #: 57695 Status: Active Federal Reserve ID: 3229642 Date Established: January 15, 2004 WWW:http://www.aibandm.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 17958 FDIC's unique #: 420125 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: January 15, 2004 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 6385 Old Shady Oak Road, Suite 110, Eden Prairie, MN 55344 County: Hennepin Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Minneapolis Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120) Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378) Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460) CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $84.7 mil Equity capital: $7.0 mil Deposits held in domestic offices: $57.1 mil Return on assets (ROA): 0.87% ($0.7 mil) Quarterly return on assets: 2.07% ($1.8 mil) Return on Equity (ROE): 10.53% ($0.7 mil) Quarterly return on equity: 25.29% ($1.8 mil) Net income: $0.7 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.47% ($1,244.8 mil) Quarterly Pretax return on assets: 3.53% ($2,989.2 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
8Total employees (full-time equivalent)
$84,679Total assets
$212Cash and due from depository institutions
$0Interest-bearing balances
$44,180Securities
$0Federal funds sold & reverse repurchase agreements
$38,418Net loans & leases
$837Loan loss allowance
$0Trading account assets
$31Bank premises and fixed assets
$100Other real estate owned
$0Goodwill and other intangibles
$84,679Life insurance assets
$1,738All other assets
$77,726Total liabilities and capital
$57,139Total liabilities
$55,515Total deposits
$57,139Interest-bearing deposits
$95Deposits held in domestic offices
2592.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$17,500Trading liabilities
$0Other borrowed funds
$495Subordinated debt
$6,953All other liabilities
$6,953Total equity capital
$6,953Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$6,452Surplus
$401Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$581Income earned, not collected on loans
$0Earning assets
$355Long-term assets (5+ years)
$82,598Average Assets, year-to-date
$0Average Assets, quarterly
$78,217Volatile liabilities
$84,152Insider loans
$43,728FHLB advances
$84,233Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,507Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,636Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,921Total interest income
$693Total interest expense
$3,228Net interest income
$570Provision for loan and lease losses
$73Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$73Additional noninterest income
$1,717Total noninterest expense
$717Salaries and employee benefits
$381Premises and equipment expense
$619Additional noninterest expense
$1,014Pre-tax net operating income
$139Securities gains (losses)
$472Applicable income taxes
$681Income before extraordinary items
$0Extraordinary gains - net
$681Net income attributable to bank
$0Net charge-offs
$681Cash dividends
$773Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.18%Yield on earning assets
0.92%Cost of funding earning assets
4.26%Net interest margin
0.10%Noninterest income to earning assets
2.27%Noninterest expense to earning assets
0.76%Net operating income to assets
0.87%Return on assets (ROA)
1.47%Pretax return on assets
10.53%Return on equity (ROE)
10.53%Retained earnings to average equity (YTD only)
2.01%Net charge-offs to loans
73.74%Credit loss provision to net charge-offs
2.05%Efficiency ratio
52,015Assets per employee
10.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.13%Loss allowance to noncurrent loans
144.06%Noncurrent assets plus other real estate owned to assets
0.80%Noncurrent loans to loans
1.48%Net loans and leases to deposits
67.24%Net loans and leases to core deposits
68.53%Equity capital to assets
8.21%Core capital (leverage) ratio
7.73%Tier 1 risk-based capital ratio
14.88%Total risk-based capital ratio
Memoranda
$16Average assets
$78,217Average earning assets
$6,469Average equity
$75,723Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
420125
American Investors Bank And Mortgage
6385 Old Shady Oak Road, Suite 110, Eden Prairie, MN 55344
January 15, 2004
Full Service Brick and Mortar
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