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 June 30, 2014
Federal Reserve System Identifier 811550




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$63,158$62,656$66,251
Loans Receivable, Net39,83039,68639,511
Mortgage-Backed Securities2,8752,7263,919
Investments8,6879,75812,231
Deposits55,55454,96358,311
Borrowings000
Equity6,8687,0077,299
Net Interest Income1,2662,6822,873
Fee Income135310303
Overhead1,1902,4602,574
Net Operating Income309641673
Net Income309641673
Ratio Analysis Profitability%%%
Return on Assets *0.950.990.96
Operating Return on Assets *0.950.990.96
Return on Equity *8.709.239.27
Net Interest Margin *4.844.834.77
Fee Income / Assets *0.490.480.43
Overhead / Assets *3.983.793.68
Efficiency Ratio79.7178.6977.07
Asset Quality%%%
Nonperforming Assets / Assets0.911.170.47
Nonperforming Assets / Equity & Loss Reserves8.009.613.98
Loss Reserves / Nonperforming Loans54.1888.32244.74
1-4 Fam Mtg + MBS / Assets31.5831.2330.70
Commercial Real Estate Loans / Assets15.1515.7815.31
Construction Loans / Assets0.170.170.09
Commercial & Industrial Loans / Assets5.105.025.64
Consumer Loans / Assets9.639.758.78
Capitalization%%%
Equity / Assets10.8711.1811.02
Tangible Capital / Tangible Assets10.8711.1811.02
Risk-based Capital Ratio16.3017.1516.58
Liquidity%%%
Loans / Deposits71.7072.2067.76
Non-Interest Bearing Deposits / Deposits16.0015.9513.99
Purchased Liabilities2.962.992.40

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