SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN EXCHANGE BANK
151 NORTH 4TH STREET
ELMWOOD, Nebraska 68349

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 1014451




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$44,501$40,772$40,996
Loans Receivable, Net23,97224,78820,729
Mortgage-Backed Securities38439622
Investments11,3659,52413,870
Deposits38,82835,26735,330
Borrowings667649717
Equity4,9594,8114,894
Net Interest Income3951,4591,686
Fee Income114440
Overhead2741,2151,096
Net Operating Income143240459
Net Income143240459
Ratio Analysis Profitability%%%
Return on Assets *0.630.571.07
Operating Return on Assets *0.630.571.07
Return on Equity *5.374.859.02
Net Interest Margin *3.913.794.36
Fee Income / Assets *0.100.100.09
Overhead / Assets *2.892.882.56
Efficiency Ratio64.7876.1860.19
Asset Quality%%%
Nonperforming Assets / Assets0.110.150.57
Nonperforming Assets / Equity & Loss Reserves0.911.154.26
Loss Reserves / Nonperforming Loans828.57703.33237.50
1-4 Fam Mtg + MBS / Assets7.298.328.13
Commercial Real Estate Loans / Assets4.575.332.84
Construction Loans / Assets0.510.070.14
Commercial & Industrial Loans / Assets10.6110.5210.28
Consumer Loans / Assets2.653.033.20
Capitalization%%%
Equity / Assets11.1411.8011.94
Tangible Capital / Tangible Assets11.1411.8011.94
Risk-based Capital Ratio17.1716.5419.40
Liquidity%%%
Loans / Deposits61.7470.2958.67
Non-Interest Bearing Deposits / Deposits26.1923.5925.48
Purchased Liabilities4.234.573.79

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