American Bank Incorporated (AMBK)

American Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2016	FY 2015	FY 2014	FY 2013	FY 2012
Period Ending	Sep 30, 2017	Dec 31, 2016	Dec 31, 2015	Dec 31, 2014	Dec 31, 2013	Dec 31, 2012
Interest Income on Loans	19.19	18.2	16.79	18.06	18.38	19.09
Interest Income on Investments	2	2	2.15	-	-	-
Total Interest Income	21.19	20.2	18.94	18.06	18.38	19.09
Interest Paid on Deposits	2.34	2.25	1.95	4.97	5.42	6.42
Interest Paid on Borrowings	2.88	2.88	3.29	-	-	-
Total Interest Expense	5.22	5.13	5.24	4.97	5.42	6.42
Net Interest Income	15.97	15.07	13.7	13.09	12.96	12.67
Net Interest Income Growth (YoY)	10.17%	9.99%	4.64%	1.01%	2.31%	1.99%
Gain (Loss) on Sale of Investments	0	0	0.13	1.47	0.01	-0.12
Other Non-Interest Income	0.78	0.79	0.72	0.73	0.74	0.83
Total Non-Interest Income	0.94	0.96	0.97	2.25	0.88	0.95
Non-Interest Income Growth (YoY)	1.95%	-0.41%	-57.02%	156.20%	-7.67%	-15.08%
Revenues Before Loan Losses	16.91	16.03	14.67	15.34	13.84	13.62
Provision for Loan Losses	0.58	0.95	0.46	0.53	0.23	0.1
Revenue	16.33	15.08	14.21	14.81	13.61	13.52
Revenue Growth (YoY)	7.53%	6.17%	-4.06%	8.83%	0.67%	2.63%
Salaries and Employee Benefits	4.35	4.35	4.12	-	-	-
Occupancy Expenses	0.3	0.3	0.29	-	-	-
Federal Deposit Insurance	0.27	0.27	0.3	-	-	-
Selling, General & Administrative	2.17	2.17	2.11	-	-	-
Other Non-Interest Expense	1.78	1.5	1.54	7.57	7.04	6.94
Total Non-Interest Expense	8.86	8.59	8.36	7.57	7.04	6.94
EBT Excluding Unusual Items	7.47	6.5	5.85	7.23	6.56	6.57
Pretax Income	7.47	6.5	5.85	7.23	6.56	6.57
Income Tax Expense	2.39	2.06	1.82	2.09	2.3	2.02
Net Income	5.08	4.44	4.04	5.15	4.26	4.55
Net Income to Common	5.08	4.44	4.04	5.15	4.26	4.55
Net Income Growth	11.98%	10.14%	-21.63%	20.87%	-6.46%	1.09%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	7	7	7	7	7	7
Shares Change (YoY)	-1.23%	-	0.44%	0.10%	-0.18%	0.35%
EPS (Basic)	0.90	0.79	0.72	0.92	0.76	0.81
EPS (Diluted)	0.80	0.71	0.65	0.82	0.69	0.73
EPS Growth	11.09%	9.23%	-20.79%	18.84%	-5.48%	1.39%
Dividend Per Share	0.090	0.360	0.280	-	-	-
Dividend Growth	-	28.57%	-	-	-	-
Effective Tax Rate	32.05%	31.62%	31.04%	28.82%	35.08%	30.73%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.