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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, 2015
Federal Reserve System Identifier 1014451




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$44,263$41,946$40,772
Loans Receivable, Net24,87125,37124,788
Mortgage-Backed Securities457498439
Investments13,13810,0669,524
Deposits38,79135,86635,267
Borrowings4411,148649
Equity4,9934,9084,811
Net Interest Income3571,5471,459
Fee Income95244
Overhead2681,2431,215
Net Operating Income114313240
Net Income114313240
Ratio Analysis Profitability%%%
Return on Assets *0.660.730.57
Operating Return on Assets *0.660.730.57
Return on Equity *5.706.304.85
Net Interest Margin *3.843.963.79
Fee Income / Assets *0.120.120.10
Overhead / Assets *2.872.892.88
Efficiency Ratio70.1674.6576.18
Asset Quality%%%
Nonperforming Assets / Assets0.020.080.15
Nonperforming Assets / Equity & Loss Reserves0.200.641.15
Loss Reserves / Nonperforming Loans3827.271238.24703.33
1-4 Fam Mtg + MBS / Assets7.859.138.32
Commercial Real Estate Loans / Assets4.324.255.33
Construction Loans / Assets0.060.060.07
Commercial & Industrial Loans / Assets9.5510.7310.52
Consumer Loans / Assets1.722.033.03
Capitalization%%%
Equity / Assets11.2811.7011.80
Tangible Capital / Tangible Assets11.2811.7011.80
Risk-based Capital Ratio16.7016.3016.54
Liquidity%%%
Loans / Deposits64.1270.7470.29
Non-Interest Bearing Deposits / Deposits24.1223.9823.59
Purchased Liabilities4.346.214.57

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