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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 March 31, 2016
Federal Reserve System Identifier 811550




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$61,856$59,934$60,962
Loans Receivable, Net43,00143,22740,081
Mortgage-Backed Securities1,8881,3963,635
Investments4,8354,4856,041
Deposits53,81152,02853,032
Borrowings0740
Equity7,2317,0277,185
Net Interest Income6812,6482,597
Fee Income67218251
Overhead5672,4482,425
Net Operating Income526628657
Net Income526628657
Ratio Analysis Profitability%%%
Return on Assets *1.611.031.06
Operating Return on Assets *1.611.031.06
Return on Equity *13.949.149.42
Net Interest Margin *5.115.024.88
Fee Income / Assets *0.380.360.40
Overhead / Assets *3.954.033.91
Efficiency Ratio51.8879.9780.06
Asset Quality%%%
Nonperforming Assets / Assets1.651.710.94
Nonperforming Assets / Equity & Loss Reserves13.4013.867.61
Loss Reserves / Nonperforming Loans38.2335.0065.77
1-4 Fam Mtg + MBS / Assets34.2734.2934.50
Commercial Real Estate Loans / Assets14.0714.8815.46
Construction Loans / Assets0.340.360.25
Commercial & Industrial Loans / Assets5.445.894.78
Consumer Loans / Assets10.4610.7910.83
Capitalization%%%
Equity / Assets11.6911.7211.79
Tangible Capital / Tangible Assets11.6911.7211.79
Risk-based Capital Ratio18.0717.8817.59
Liquidity%%%
Loans / Deposits79.9183.0875.58
Non-Interest Bearing Deposits / Deposits18.1317.6916.68
Purchased Liabilities2.412.613.13

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