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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 December 31, 2012
Federal Reserve System Identifier 1014451




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$40,996$41,568$36,945
Loans Receivable, Net20,72925,39223,753
Mortgage-Backed Securities622966549
Investments13,87010,8997,200
Deposits35,33033,00531,389
Borrowings7173,581841
Equity4,8944,9334,660
Net Interest Income1,6861,6511,520
Fee Income404038
Overhead1,0961,1861,080
Net Operating Income459553503
Net Income459553503
Ratio Analysis Profitability%%%
Return on Assets *1.071.291.36
Operating Return on Assets *1.071.291.36
Return on Equity *9.0211.1310.74
Net Interest Margin *4.364.294.35
Fee Income / Assets *0.090.090.10
Overhead / Assets *2.562.782.94
Efficiency Ratio60.1968.267.37
Asset Quality%%%
Nonperforming Assets / Assets0.571.181.14
Nonperforming Assets / Equity & Loss Reserves4.269.038.15
Loss Reserves / Nonperforming Loans237.502.032.12
1-4 Fam Mtg + MBS / Assets8.139.019.26
Commercial Real Estate Loans / Assets2.846.808.29
Construction Loans / Assets0.140.110.00
Commercial & Industrial Loans / Assets10.2812.049.91
Consumer Loans / Assets3.203.784.43
Capitalization%%%
Equity / Assets11.9411.8712.61
Tangible Capital / Tangible Assets11.9411.8712.61
Risk-based Capital Ratio19.4018.5518.25
Liquidity%%%
Loans / Deposits58.6776.9375.67
Non-Interest Bearing Deposits / Deposits25.4827.1424.70
Purchased Liabilities3.7917.2711.77

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.65% 0.64%
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