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 June 30, 2014
Federal Reserve System Identifier 2960555




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$79,831$75,691$73,091
Loans Receivable, Net48,93544,59943,342
Mortgage-Backed Securities8,4119,20811,520
Investments11,3399,6257,758
Deposits71,51967,10263,621
Borrowings07101,420
Equity7,9137,7017,581
Net Interest Income1,3942,5652,686
Fee Income118238259
Overhead1,1192,1602,069
Net Operating Income4707471,148
Net Income317507752
Ratio Analysis Profitability%%%
Return on Assets *0.820.711.08
Operating Return on Assets *1.221.041.64
Return on Equity *8.056.699.41
Net Interest Margin *3.993.994.28
Fee Income / Assets *0.320.330.37
Overhead / Assets *2.873.012.96
Efficiency Ratio69.5072.4667.66
Asset Quality%%%
Nonperforming Assets / Assets1.372.201.55
Nonperforming Assets / Equity & Loss Reserves12.7219.8813.75
Loss Reserves / Nonperforming Loans60.2847.1773.01
1-4 Fam Mtg + MBS / Assets17.5518.9623.56
Commercial Real Estate Loans / Assets5.266.607.10
Construction Loans / Assets4.243.723.96
Commercial & Industrial Loans / Assets11.0312.6412.90
Consumer Loans / Assets0.981.231.73
Capitalization%%%
Equity / Assets9.9110.1710.37
Tangible Capital / Tangible Assets9.9110.1710.37
Risk-based Capital Ratio13.8815.0714.76
Liquidity%%%
Loans / Deposits68.4266.4668.13
Non-Interest Bearing Deposits / Deposits27.3225.9126.70
Purchased Liabilities4.826.947.81

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