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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 September 30, 2014
Federal Reserve System Identifier 2960555




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$81,133$75,691$73,091
Loans Receivable, Net49,64844,59943,342
Mortgage-Backed Securities9,7339,20811,520
Investments11,1409,6257,758
Deposits71,71167,10263,621
Borrowings8287101,420
Equity8,1187,7017,581
Net Interest Income2,1652,5652,686
Fee Income177238259
Overhead1,6842,1602,069
Net Operating Income7377471,148
Net Income496507752
Ratio Analysis Profitability%%%
Return on Assets *0.860.711.08
Operating Return on Assets *1.271.041.64
Return on Equity *8.326.699.41
Net Interest Margin *4.103.994.28
Fee Income / Assets *0.300.330.37
Overhead / Assets *2.913.012.96
Efficiency Ratio67.8572.4667.66
Asset Quality%%%
Nonperforming Assets / Assets1.512.201.55
Nonperforming Assets / Equity & Loss Reserves13.9119.8813.75
Loss Reserves / Nonperforming Loans55.1947.1773.01
1-4 Fam Mtg + MBS / Assets18.7618.9623.56
Commercial Real Estate Loans / Assets5.116.607.10
Construction Loans / Assets5.553.723.96
Commercial & Industrial Loans / Assets10.7212.6412.90
Consumer Loans / Assets0.891.231.73
Capitalization%%%
Equity / Assets10.0110.1710.37
Tangible Capital / Tangible Assets10.0110.1710.37
Risk-based Capital Ratio14.4915.0714.76
Liquidity%%%
Loans / Deposits69.2366.4668.13
Non-Interest Bearing Deposits / Deposits29.6525.9126.70
Purchased Liabilities5.136.947.81

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