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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 December 31, 2014
Federal Reserve System Identifier 2960555




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$83,584$75,691$73,091
Loans Receivable, Net44,15444,59943,342
Mortgage-Backed Securities12,1189,20811,520
Investments16,4199,6257,758
Deposits72,92267,10263,621
Borrowings1,8947101,420
Equity8,2847,7017,581
Net Interest Income2,8922,5652,686
Fee Income226238259
Overhead2,2302,1602,069
Net Operating Income9927471,148
Net Income663507752
Ratio Analysis Profitability%%%
Return on Assets *0.830.711.08
Operating Return on Assets *1.251.041.64
Return on Equity *8.326.699.41
Net Interest Margin *4.013.994.28
Fee Income / Assets *0.280.330.37
Overhead / Assets *2.803.012.96
Efficiency Ratio67.4772.4667.66
Asset Quality%%%
Nonperforming Assets / Assets1.362.201.55
Nonperforming Assets / Equity & Loss Reserves12.6719.8813.75
Loss Reserves / Nonperforming Loans58.8247.1773.01
1-4 Fam Mtg + MBS / Assets21.3518.9623.56
Commercial Real Estate Loans / Assets4.696.607.10
Construction Loans / Assets4.503.723.96
Commercial & Industrial Loans / Assets10.4712.6412.90
Consumer Loans / Assets0.801.231.73
Capitalization%%%
Equity / Assets9.9110.1710.37
Tangible Capital / Tangible Assets9.9110.1710.37
Risk-based Capital Ratio15.4515.0714.76
Liquidity%%%
Loans / Deposits60.5566.4668.13
Non-Interest Bearing Deposits / Deposits26.6225.9126.70
Purchased Liabilities4.346.947.81

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