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SAFE & SOUND® STAR RATINGS

AMERICAN EXCHANGE BANK

510 WEST MAIN STREET
HENRYETTA, Oklahoma 74437

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




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$60,962$62,656$66,251
Loans Receivable, Net40,08139,68639,511
Mortgage-Backed Securities3,6352,7263,919
Investments6,0419,75812,231
Deposits53,03254,96358,311
Borrowings000
Equity7,1857,0077,299
Net Interest Income2,5972,6822,873
Fee Income251310303
Overhead2,4252,4602,574
Net Operating Income657641673
Net Income657641673
Ratio Analysis Profitability%%%
Return on Assets *1.060.990.96
Operating Return on Assets *1.060.990.96
Return on Equity *9.429.239.27
Net Interest Margin *4.884.834.77
Fee Income / Assets *0.400.480.43
Overhead / Assets *3.913.793.68
Efficiency Ratio80.0678.6977.07
Asset Quality%%%
Nonperforming Assets / Assets0.941.170.47
Nonperforming Assets / Equity & Loss Reserves7.619.613.98
Loss Reserves / Nonperforming Loans65.7788.32244.74
1-4 Fam Mtg + MBS / Assets34.5031.2330.70
Commercial Real Estate Loans / Assets15.4615.7815.31
Construction Loans / Assets0.250.170.09
Commercial & Industrial Loans / Assets4.785.025.64
Consumer Loans / Assets10.839.758.78
Capitalization%%%
Equity / Assets11.7911.1811.02
Tangible Capital / Tangible Assets11.7911.1811.02
Risk-based Capital Ratio17.5917.1516.58
Liquidity%%%
Loans / Deposits75.5872.2067.76
Non-Interest Bearing Deposits / Deposits16.6815.9513.99
Purchased Liabilities3.132.992.40

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