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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, 2015
Federal Reserve System Identifier 2960555




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$83,830$83,584$75,691
Loans Receivable, Net44,19944,15444,599
Mortgage-Backed Securities11,46712,1189,208
Investments16,51916,4199,625
Deposits75,03372,92267,102
Borrowings01,894710
Equity8,2798,2847,701
Net Interest Income7182,8922,565
Fee Income47226238
Overhead5552,2302,160
Net Operating Income246992747
Net Income169663507
Ratio Analysis Profitability%%%
Return on Assets *0.830.830.71
Operating Return on Assets *1.241.251.04
Return on Equity *8.308.326.69
Net Interest Margin *3.974.013.99
Fee Income / Assets *0.260.280.33
Overhead / Assets *2.762.803.01
Efficiency Ratio68.4367.4772.46
Asset Quality%%%
Nonperforming Assets / Assets1.511.362.20
Nonperforming Assets / Equity & Loss Reserves14.0612.6719.88
Loss Reserves / Nonperforming Loans55.3958.8247.17
1-4 Fam Mtg + MBS / Assets20.3821.3518.96
Commercial Real Estate Loans / Assets5.634.696.60
Construction Loans / Assets2.454.503.72
Commercial & Industrial Loans / Assets10.6210.4712.64
Consumer Loans / Assets0.740.801.23
Capitalization%%%
Equity / Assets9.889.9110.17
Tangible Capital / Tangible Assets9.889.9110.17
Risk-based Capital Ratio14.6315.4515.07
Liquidity%%%
Loans / Deposits58.9160.5566.46
Non-Interest Bearing Deposits / Deposits26.5326.6225.91
Purchased Liabilities3.404.346.94

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