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, 2013
Federal Reserve System Identifier 1014451




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$40,772$40,996$41,568
Loans Receivable, Net24,78820,72925,392
Mortgage-Backed Securities439622966
Investments9,52413,87010,899
Deposits35,26735,33033,005
Borrowings6497173,581
Equity4,8114,8944,933
Net Interest Income1,4591,6861,651
Fee Income444040
Overhead1,2151,0961,186
Net Operating Income240459553
Net Income240459553
Ratio Analysis Profitability%%%
Return on Assets *0.571.071.29
Operating Return on Assets *0.571.071.29
Return on Equity *4.859.0211.13
Net Interest Margin *3.794.364.29
Fee Income / Assets *0.100.090.09
Overhead / Assets *2.882.562.78
Efficiency Ratio76.1860.1968.20
Asset Quality%%%
Nonperforming Assets / Assets0.150.571.18
Nonperforming Assets / Equity & Loss Reserves1.154.269.03
Loss Reserves / Nonperforming Loans703.33237.502.03
1-4 Fam Mtg + MBS / Assets8.328.139.01
Commercial Real Estate Loans / Assets5.332.846.80
Construction Loans / Assets0.070.140.11
Commercial & Industrial Loans / Assets10.5210.2812.04
Consumer Loans / Assets3.033.203.78
Capitalization%%%
Equity / Assets11.8011.9411.87
Tangible Capital / Tangible Assets11.8011.9411.87
Risk-based Capital Ratio16.5419.4018.55
Liquidity%%%
Loans / Deposits70.2958.6776.93
Non-Interest Bearing Deposits / Deposits23.5925.4827.14
Purchased Liabilities4.573.7917.27

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