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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 - (decline)
As of September 30, 2015
Federal Reserve System Identifier 2960555




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$87,958$83,584$75,691
Loans Receivable, Net48,03844,15444,599
Mortgage-Backed Securities7,92012,1189,208
Investments17,56916,4199,625
Deposits69,73372,92267,102
Borrowings9,0001,894710
Equity8,6438,2847,701
Net Interest Income2,2642,8922,565
Fee Income146226238
Overhead1,7302,2302,160
Net Operating Income837992747
Net Income570663507
Ratio Analysis Profitability%%%
Return on Assets *0.870.830.71
Operating Return on Assets *1.291.251.04
Return on Equity *8.838.326.69
Net Interest Margin *3.874.013.99
Fee Income / Assets *0.230.280.33
Overhead / Assets *2.692.803.01
Efficiency Ratio67.9267.4772.46
Asset Quality%%%
Nonperforming Assets / Assets1.671.362.20
Nonperforming Assets / Equity & Loss Reserves15.7512.6719.88
Loss Reserves / Nonperforming Loans54.5758.8247.17
1-4 Fam Mtg + MBS / Assets15.5221.3518.96
Commercial Real Estate Loans / Assets5.214.696.60
Construction Loans / Assets2.194.503.72
Commercial & Industrial Loans / Assets10.9310.4712.64
Consumer Loans / Assets0.730.801.23
Capitalization%%%
Equity / Assets9.839.9110.17
Tangible Capital / Tangible Assets9.839.9110.17
Risk-based Capital Ratio14.5215.4515.07
Liquidity%%%
Loans / Deposits68.8960.5566.46
Non-Interest Bearing Deposits / Deposits27.8826.6225.91
Purchased Liabilities13.554.346.94

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