SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN EXCHANGE BANK
510 WEST MAIN STREET
HENRYETTA, Oklahoma 74437

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 811550




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$62,543$62,656$66,251
Loans Receivable, Net39,68339,68639,511
Mortgage-Backed Securities2,4942,7263,919
Investments9,4829,75812,231
Deposits55,07854,96358,311
Borrowings000
Equity6,7677,0077,299
Net Interest Income6482,6822,873
Fee Income75310303
Overhead6082,4602,574
Net Operating Income167641673
Net Income167641673
Ratio Analysis Profitability%%%
Return on Assets *0.990.990.96
Operating Return on Assets *0.990.990.96
Return on Equity *9.189.239.27
Net Interest Margin *4.864.834.77
Fee Income / Assets *0.490.480.43
Overhead / Assets *3.903.793.68
Efficiency Ratio79.0678.6977.07
Asset Quality%%%
Nonperforming Assets / Assets0.861.170.47
Nonperforming Assets / Equity & Loss Reserves7.269.613.98
Loss Reserves / Nonperforming Loans123.3388.32244.74
1-4 Fam Mtg + MBS / Assets31.0831.2330.70
Commercial Real Estate Loans / Assets15.5915.7815.31
Construction Loans / Assets0.170.170.09
Commercial & Industrial Loans / Assets5.155.025.64
Consumer Loans / Assets9.839.758.78
Capitalization%%%
Equity / Assets10.8211.1811.02
Tangible Capital / Tangible Assets10.8211.1811.02
Risk-based Capital Ratio16.5217.1516.58
Liquidity%%%
Loans / Deposits72.0572.2067.76
Non-Interest Bearing Deposits / Deposits16.0115.9513.99
Purchased Liabilities2.992.992.40

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