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SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN HERITAGE BANK
3300 NORTH PRINCE STREET
CLOVIS, New Mexico 88102

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 2960555




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$73,091$71,600$70,428
Loans Receivable, Net43,34241,87643,833
Mortgage-Backed Securities11,52013,9748,711
Investments7,7582,8420
Deposits63,62161,05059,802
Borrowings1,4202,2303,150
Equity7,5818,0627,349
Net Interest Income2,6862,5782,393
Fee Income259281275
Overhead2,0691,9842,147
Net Operating Income1,148951673
Net Income752576444
Ratio Analysis Profitability%%%
Return on Assets *1.080.810.67
Operating Return on Assets *1.641.341.01
Return on Equity *9.417.315.91
Net Interest Margin *4.284.034.01
Fee Income / Assets *0.370.400.42
Overhead / Assets *2.962.813.24
Efficiency Ratio67.6667.1977.79
Asset Quality%%%
Nonperforming Assets / Assets1.552.301.55
Nonperforming Assets / Equity & Loss Reserves13.7518.9113.75
Loss Reserves / Nonperforming Loans73.011.571.35
1-4 Fam Mtg + MBS / Assets23.5628.6921.78
Commercial Real Estate Loans / Assets7.108.2910.77
Construction Loans / Assets3.962.452.72
Commercial & Industrial Loans / Assets12.9012.4414.63
Consumer Loans / Assets1.732.413.40
Capitalization%%%
Equity / Assets10.3711.2610.43
Tangible Capital / Tangible Assets10.3711.2610.43
Risk-based Capital Ratio14.7616.6414.93
Liquidity%%%
Loans / Deposits68.1368.5973.30
Non-Interest Bearing Deposits / Deposits26.7024.2222.12
Purchased Liabilities7.8121.9223.79

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
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