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SAFE & SOUND® STAR RATINGS

AMERICAN EXCHANGE BANK

151 NORTH 4TH STREET
ELMWOOD, Nebraska 68349

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 1014451




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$44,577$42,161$41,946
Loans Receivable, Net27,63828,40125,371
Mortgage-Backed Securities341374498
Investments11,8938,93810,066
Deposits39,07136,52535,866
Borrowings4346411,148
Equity5,0394,9794,908
Net Interest Income3881,5421,547
Fee Income104352
Overhead3091,3151,243
Net Operating Income109402313
Net Income109402313
Ratio Analysis Profitability%%%
Return on Assets *0.890.900.73
Operating Return on Assets *0.890.900.73
Return on Equity *7.857.966.30
Net Interest Margin *3.783.723.96
Fee Income / Assets *0.100.100.12
Overhead / Assets *3.022.952.89
Efficiency Ratio74.1070.1374.65
Asset Quality%%%
Nonperforming Assets / Assets0.020.010.08
Nonperforming Assets / Equity & Loss Reserves0.160.110.64
Loss Reserves / Nonperforming Loans5133.337600.001238.24
1-4 Fam Mtg + MBS / Assets9.359.199.13
Commercial Real Estate Loans / Assets7.367.594.25
Construction Loans / Assets0.050.290.06
Commercial & Industrial Loans / Assets10.2710.9610.73
Consumer Loans / Assets2.382.382.03
Capitalization%%%
Equity / Assets11.3011.8111.70
Tangible Capital / Tangible Assets11.3011.8111.70
Risk-based Capital Ratio14.9916.0416.30
Liquidity%%%
Loans / Deposits70.7477.7670.74
Non-Interest Bearing Deposits / Deposits26.6422.7423.98
Purchased Liabilities4.104.936.21

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