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 June 30, 2014
Federal Reserve System Identifier 1014451




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$42,401$40,772$40,996
Loans Receivable, Net25,64024,78820,729
Mortgage-Backed Securities33439622
Investments11,8859,52413,870
Deposits36,90035,26735,330
Borrowings448649717
Equity5,0154,8114,894
Net Interest Income7651,4591,686
Fee Income234440
Overhead5941,2151,096
Net Operating Income231240459
Net Income231240459
Ratio Analysis Profitability%%%
Return on Assets *0.430.571.07
Operating Return on Assets *0.430.571.07
Return on Equity *3.674.859.02
Net Interest Margin *3.943.794.36
Fee Income / Assets *0.110.100.09
Overhead / Assets *2.962.882.56
Efficiency Ratio72.1776.1860.19
Asset Quality%%%
Nonperforming Assets / Assets0.060.150.57
Nonperforming Assets / Equity & Loss Reserves0.491.154.26
Loss Reserves / Nonperforming Loans1644.44703.33237.50
1-4 Fam Mtg + MBS / Assets7.008.328.13
Commercial Real Estate Loans / Assets4.045.332.84
Construction Loans / Assets1.040.070.14
Commercial & Industrial Loans / Assets12.2310.5210.28
Consumer Loans / Assets1.923.033.20
Capitalization%%%
Equity / Assets11.8311.8011.94
Tangible Capital / Tangible Assets11.8311.8011.94
Risk-based Capital Ratio16.5416.5419.40
Liquidity%%%
Loans / Deposits69.4970.2958.67
Non-Interest Bearing Deposits / Deposits22.7323.5925.48
Purchased Liabilities3.934.573.79

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