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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 December 31, 2012
Federal Reserve System Identifier 811550




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$66,251$71,332$70,739
Loans Receivable, Net39,51140,45741,623
Mortgage-Backed Securities3,9196,0568,208
Investments12,23112,7869,308
Deposits58,31163,44663,470
Borrowings000
Equity7,2997,2556,641
Net Interest Income2,8733,0163,071
Fee Income303299315
Overhead2,5742,6752,791
Net Operating Income673750558
Net Income673750558
Ratio Analysis Profitability%%%
Return on Assets *0.961.040.77
Operating Return on Assets *0.961.040.77
Return on Equity *9.2710.778.38
Net Interest Margin *4.774.935.10
Fee Income / Assets *0.430.410.44
Overhead / Assets *3.683.713.90
Efficiency Ratio77.0774.1878.18
Asset Quality%%%
Nonperforming Assets / Assets0.470.861.00
Nonperforming Assets / Equity & Loss Reserves3.987.989.52
Loss Reserves / Nonperforming Loans244.741.151.84
1-4 Fam Mtg + MBS / Assets30.7031.5036.63
Commercial Real Estate Loans / Assets15.3114.3212.12
Construction Loans / Assets0.090.150.38
Commercial & Industrial Loans / Assets5.645.375.60
Consumer Loans / Assets8.789.159.95
Capitalization%%%
Equity / Assets11.0210.179.39
Tangible Capital / Tangible Assets11.0210.179.39
Risk-based Capital Ratio16.5815.3615.05
Liquidity%%%
Loans / Deposits67.7663.7765.58
Non-Interest Bearing Deposits / Deposits13.9911.8811.54
Purchased Liabilities2.4013.0213.41

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.65% 0.64%
Compare rates:
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