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 September 30, 2014
Federal Reserve System Identifier 1014451




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$41,814$40,772$40,996
Loans Receivable, Net26,07824,78820,729
Mortgage-Backed Securities494439622
Investments12,9459,52413,870
Deposits34,23635,26735,330
Borrowings2,548649717
Equity5,0064,8114,894
Net Interest Income1,1521,4591,686
Fee Income364440
Overhead8521,2151,096
Net Operating Income251240459
Net Income251240459
Ratio Analysis Profitability%%%
Return on Assets *0.460.571.07
Operating Return on Assets *0.460.571.07
Return on Equity *3.954.859.02
Net Interest Margin *3.873.794.36
Fee Income / Assets *0.110.100.09
Overhead / Assets *2.942.882.56
Efficiency Ratio68.7776.1860.19
Asset Quality%%%
Nonperforming Assets / Assets0.230.150.57
Nonperforming Assets / Equity & Loss Reserves1.801.154.26
Loss Reserves / Nonperforming Loans450.00703.33237.50
1-4 Fam Mtg + MBS / Assets8.498.328.13
Commercial Real Estate Loans / Assets2.855.332.84
Construction Loans / Assets0.060.070.14
Commercial & Industrial Loans / Assets12.5010.5210.28
Consumer Loans / Assets2.153.033.20
Capitalization%%%
Equity / Assets11.9711.8011.94
Tangible Capital / Tangible Assets11.9711.8011.94
Risk-based Capital Ratio16.0516.5419.40
Liquidity%%%
Loans / Deposits76.1770.2958.67
Non-Interest Bearing Deposits / Deposits20.5623.5925.48
Purchased Liabilities9.024.573.79

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