SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 2960555




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$77,155$75,691$73,091
Loans Receivable, Net46,67744,59943,342
Mortgage-Backed Securities6,8249,20811,520
Investments10,1039,6257,758
Deposits69,33267,10263,621
Borrowings07101,420
Equity7,5717,7017,581
Net Interest Income6732,5652,686
Fee Income60238259
Overhead5502,1602,069
Net Operating Income2317471,148
Net Income156507752
Ratio Analysis Profitability%%%
Return on Assets *0.790.711.08
Operating Return on Assets *1.171.041.64
Return on Equity *7.626.699.41
Net Interest Margin *3.983.994.28
Fee Income / Assets *0.330.330.37
Overhead / Assets *2.903.012.96
Efficiency Ratio69.8972.4667.66
Asset Quality%%%
Nonperforming Assets / Assets2.002.201.55
Nonperforming Assets / Equity & Loss Reserves18.7319.8813.75
Loss Reserves / Nonperforming Loans50.6747.1773.01
1-4 Fam Mtg + MBS / Assets15.3918.9623.56
Commercial Real Estate Loans / Assets6.366.607.10
Construction Loans / Assets3.693.723.96
Commercial & Industrial Loans / Assets11.5712.6412.90
Consumer Loans / Assets1.141.231.73
Capitalization%%%
Equity / Assets9.8110.1710.37
Tangible Capital / Tangible Assets9.8110.1710.37
Risk-based Capital Ratio14.2115.0714.76
Liquidity%%%
Loans / Deposits67.3266.4668.13
Non-Interest Bearing Deposits / Deposits26.8225.9126.70
Purchased Liabilities4.986.947.81

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