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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 December 31, 2015
Federal Reserve System Identifier 2960555




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$86,513$83,584$75,691
Loans Receivable, Net46,34644,15444,599
Mortgage-Backed Securities7,51412,1189,208
Investments18,90516,4199,625
Deposits75,01172,92267,102
Borrowings2,0001,894710
Equity8,9408,2847,701
Net Interest Income3,0482,8922,565
Fee Income196226238
Overhead2,2142,2302,160
Net Operating Income1,158992747
Net Income786663507
Ratio Analysis Profitability%%%
Return on Assets *0.910.830.71
Operating Return on Assets *1.341.251.04
Return on Equity *9.248.326.69
Net Interest Margin *3.924.013.99
Fee Income / Assets *0.230.280.33
Overhead / Assets *2.572.803.01
Efficiency Ratio64.4267.4772.46
Asset Quality%%%
Nonperforming Assets / Assets0.831.362.20
Nonperforming Assets / Equity & Loss Reserves7.4312.6719.88
Loss Reserves / Nonperforming Loans120.8058.8247.17
1-4 Fam Mtg + MBS / Assets15.6821.3518.96
Commercial Real Estate Loans / Assets6.144.696.60
Construction Loans / Assets1.824.503.72
Commercial & Industrial Loans / Assets10.8610.4712.64
Consumer Loans / Assets0.730.801.23
Capitalization%%%
Equity / Assets10.339.9110.17
Tangible Capital / Tangible Assets10.339.9110.17
Risk-based Capital Ratio15.2815.4515.07
Liquidity%%%
Loans / Deposits61.7960.5566.46
Non-Interest Bearing Deposits / Deposits27.6126.6225.91
Purchased Liabilities5.694.346.94

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