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SAFE & SOUND® STAR RATINGS

AMERICAN HERITAGE BANK

3300 NORTH PRINCE STREET
CLOVIS, New Mexico 88102

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 2960555




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$87,065$86,513$83,584
Loans Receivable, Net46,57346,34644,154
Mortgage-Backed Securities9,5387,51412,118
Investments17,89318,90516,419
Deposits76,30275,01172,922
Borrowings1,0002,0001,894
Equity8,9718,9408,284
Net Interest Income7793,0482,892
Fee Income44196226
Overhead6022,2142,230
Net Operating Income2831,158992
Net Income214786663
Ratio Analysis Profitability%%%
Return on Assets *0.950.910.83
Operating Return on Assets *1.371.341.25
Return on Equity *9.579.248.32
Net Interest Margin *3.963.924.01
Fee Income / Assets *0.220.230.28
Overhead / Assets *2.592.572.80
Efficiency Ratio68.0264.4267.47
Asset Quality%%%
Nonperforming Assets / Assets0.600.831.36
Nonperforming Assets / Equity & Loss Reserves5.457.4312.67
Loss Reserves / Nonperforming Loans130.04120.8058.82
1-4 Fam Mtg + MBS / Assets18.3315.6821.35
Commercial Real Estate Loans / Assets5.876.144.69
Construction Loans / Assets2.091.824.50
Commercial & Industrial Loans / Assets11.5310.8610.47
Consumer Loans / Assets0.540.730.80
Capitalization%%%
Equity / Assets10.3010.339.91
Tangible Capital / Tangible Assets10.3010.339.91
Risk-based Capital Ratio15.2915.2815.45
Liquidity%%%
Loans / Deposits61.0461.7960.55
Non-Interest Bearing Deposits / Deposits26.5227.6126.62
Purchased Liabilities4.645.694.34

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