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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 December 31, 2014
Federal Reserve System Identifier 1014451




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$41,946$40,772$40,996
Loans Receivable, Net25,37124,78820,729
Mortgage-Backed Securities498439622
Investments10,0669,52413,870
Deposits35,86635,26735,330
Borrowings1,148649717
Equity4,9084,8114,894
Net Interest Income1,5471,4591,686
Fee Income524440
Overhead1,2431,2151,096
Net Operating Income313240459
Net Income313240459
Ratio Analysis Profitability%%%
Return on Assets *0.730.571.07
Operating Return on Assets *0.730.571.07
Return on Equity *6.304.859.02
Net Interest Margin *3.963.794.36
Fee Income / Assets *0.120.100.09
Overhead / Assets *2.892.882.56
Efficiency Ratio74.6576.1860.19
Asset Quality%%%
Nonperforming Assets / Assets0.080.150.57
Nonperforming Assets / Equity & Loss Reserves0.641.154.26
Loss Reserves / Nonperforming Loans1238.24703.33237.50
1-4 Fam Mtg + MBS / Assets9.138.328.13
Commercial Real Estate Loans / Assets4.255.332.84
Construction Loans / Assets0.060.070.14
Commercial & Industrial Loans / Assets10.7310.5210.28
Consumer Loans / Assets2.033.033.20
Capitalization%%%
Equity / Assets11.7011.8011.94
Tangible Capital / Tangible Assets11.7011.8011.94
Risk-based Capital Ratio16.3016.5419.40
Liquidity%%%
Loans / Deposits70.7470.2958.67
Non-Interest Bearing Deposits / Deposits23.9823.5925.48
Purchased Liabilities6.214.573.79

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