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 September 30, 2014
Federal Reserve System Identifier 811550




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$61,531$62,656$66,251
Loans Receivable, Net39,89339,68639,511
Mortgage-Backed Securities3,2812,7263,919
Investments8,5929,75812,231
Deposits53,22954,96358,311
Borrowings45100
Equity7,0867,0077,299
Net Interest Income1,9382,6822,873
Fee Income194310303
Overhead1,7532,4602,574
Net Operating Income522641673
Net Income522641673
Ratio Analysis Profitability%%%
Return on Assets *0.950.990.96
Operating Return on Assets *0.950.990.96
Return on Equity *8.609.239.27
Net Interest Margin *4.834.834.77
Fee Income / Assets *0.440.480.43
Overhead / Assets *3.943.793.68
Efficiency Ratio77.2978.6977.07
Asset Quality%%%
Nonperforming Assets / Assets0.891.170.47
Nonperforming Assets / Equity & Loss Reserves7.419.613.98
Loss Reserves / Nonperforming Loans61.6688.32244.74
1-4 Fam Mtg + MBS / Assets33.4931.2330.70
Commercial Real Estate Loans / Assets15.2315.7815.31
Construction Loans / Assets0.260.170.09
Commercial & Industrial Loans / Assets5.145.025.64
Consumer Loans / Assets10.279.758.78
Capitalization%%%
Equity / Assets11.5211.1811.02
Tangible Capital / Tangible Assets11.5211.1811.02
Risk-based Capital Ratio16.9417.1516.58
Liquidity%%%
Loans / Deposits74.9572.2067.76
Non-Interest Bearing Deposits / Deposits16.4715.9513.99
Purchased Liabilities3.782.992.40

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