# AMERICAN INVESTORS BANK&MORT
EDEN PRAIRIE, MN · FDIC certificate 57695 · asset band <$300M · latest filing 2023-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $120.6M | |
| Deposits | $76.9M | |
| Loans and leases | $107.3M | |
| Total equity | $10.8M | |
| Loans / deposits | 138.15% (p99 of band) | 68.34% |
| Liquid assets / assets | 9.28% (p3 of band) | |
| Uninsured deposits / deposits | 9.90% (p14 of band) | 19.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 26.78% (p98 of band) | |
| FHLB advances / assets | 26.71% | |
| Tier 1 leverage | 10.00% (p32 of band) | 11.20% |
| Unrealized securities loss / equity | -16.80% (p57 of band) | -21.45% |
| AOCI / equity | -0.20% (p17 of band) | |
| ROA (annualized) | 0.72% (p33 of band) | 0.98% |
| Net interest margin | 3.51% (p48 of band) | 3.56% |
| Efficiency ratio | 66.70% (p47 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.19% |
| Net charge-offs (annualized) | 0.02% (p77 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 99.43% (p90 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.5% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, charge-offs p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | charge-offs p90 |
| 2012-03 | 1 | charge-offs p90 | wholesale funding >15% |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 4 | wholesale funding >15%, leverage <7%, capital falling |  |
| 2013-03 | 5 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2013-06 | 4 |  | capital falling |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | leverage <7% |
| 2014-03 | 3 | charge-offs p90, assets shrinking | deposits shrinking, uninsured deposits leaving |
| 2014-06 | 2 |  | charge-offs p90 |
| 2014-09 | 5 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 4 | reserve under noncurrent | charge-offs p90, uninsured deposits leaving |
| 2015-03 | 5 | charge-offs p90, uninsured deposits leaving | assets shrinking |
| 2015-06 | 5 | assets shrinking | uninsured deposits leaving |
| 2015-09 | 4 | loans exceed deposits, capital falling | deposits shrinking, charge-offs p90, assets shrinking |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 4 | losing money, charge-offs p90 | reserve under noncurrent |
| 2016-06 | 3 |  | losing money |
| 2016-09 | 3 | assets shrinking | charge-offs p90 |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | uninsured deposits leaving | loans exceed deposits |
| 2017-06 | 1 |  | wholesale funding >15%, uninsured deposits leaving |
| 2017-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 5 | loans exceed deposits, wholesale funding >15% |  |
| 2018-09 | 4 |  | assets shrinking |
| 2018-12 | 2 |  | uninsured deposits leaving, wholesale funding >15% |
| 2019-03 | 0 |  | deposits shrinking, loans exceed deposits |
| 2019-06 | 2 | loans exceed deposits, capital falling |  |
| 2019-09 | 0 |  | loans exceed deposits, capital falling |
| 2019-12 | 1 | loans exceed deposits |  |
| 2020-03 | 4 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2020-06 | 2 |  | wholesale funding >15%, uninsured deposits leaving |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | loans exceed deposits, capital falling |
| 2021-03 | 1 | loans exceed deposits |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | construction >100% equity |  |
| 2022-06 | 4 | wholesale funding >15%, capital falling |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 6 | liquid assets <10%, deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 |  | deposits shrinking |
| 2023-06 | 4 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57695 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "57695", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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