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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 September 30, 2015
Federal Reserve System Identifier 1014451




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$45,679$41,946$40,772
Loans Receivable, Net29,29925,37124,788
Mortgage-Backed Securities392498439
Investments13,33210,0669,524
Deposits34,67935,86635,267
Borrowings5,7911,148649
Equity5,1684,9084,811
Net Interest Income1,1341,5471,459
Fee Income325244
Overhead8221,2431,215
Net Operating Income404313240
Net Income404313240
Ratio Analysis Profitability%%%
Return on Assets *1.070.730.57
Operating Return on Assets *1.070.730.57
Return on Equity *9.266.304.85
Net Interest Margin *3.763.963.79
Fee Income / Assets *0.110.120.10
Overhead / Assets *2.782.892.88
Efficiency Ratio67.0574.6576.18
Asset Quality%%%
Nonperforming Assets / Assets0.020.080.15
Nonperforming Assets / Equity & Loss Reserves0.200.641.15
Loss Reserves / Nonperforming Loans3818.181238.24703.33
1-4 Fam Mtg + MBS / Assets7.499.138.32
Commercial Real Estate Loans / Assets11.234.255.33
Construction Loans / Assets0.050.060.07
Commercial & Industrial Loans / Assets11.1310.7310.52
Consumer Loans / Assets1.752.033.03
Capitalization%%%
Equity / Assets11.3111.7011.80
Tangible Capital / Tangible Assets11.3111.7011.80
Risk-based Capital Ratio16.5716.3016.54
Liquidity%%%
Loans / Deposits84.4970.7470.29
Non-Interest Bearing Deposits / Deposits19.9223.9823.59
Purchased Liabilities15.816.214.57

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