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SAFE & SOUND® STAR RATINGS

AMERICAN EXCHANGE BANK

510 WEST MAIN STREET
HENRYETTA, Oklahoma 74437

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 811550




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$59,934$60,962$62,656
Loans Receivable, Net43,22740,08139,686
Mortgage-Backed Securities1,3963,6352,726
Investments4,4856,0419,758
Deposits52,02853,03254,963
Borrowings7400
Equity7,0277,1857,007
Net Interest Income2,6482,5972,682
Fee Income218251310
Overhead2,4482,4252,460
Net Operating Income628657641
Net Income628657641
Ratio Analysis Profitability%%%
Return on Assets *1.031.060.99
Operating Return on Assets *1.031.060.99
Return on Equity *9.149.429.23
Net Interest Margin *5.024.884.83
Fee Income / Assets *0.360.400.48
Overhead / Assets *4.033.913.79
Efficiency Ratio79.9780.0678.69
Asset Quality%%%
Nonperforming Assets / Assets1.710.941.17
Nonperforming Assets / Equity & Loss Reserves13.867.619.61
Loss Reserves / Nonperforming Loans35.0065.7788.32
1-4 Fam Mtg + MBS / Assets34.2934.5031.23
Commercial Real Estate Loans / Assets14.8815.4615.78
Construction Loans / Assets0.360.250.17
Commercial & Industrial Loans / Assets5.894.785.02
Consumer Loans / Assets10.7910.839.75
Capitalization%%%
Equity / Assets11.7211.7911.18
Tangible Capital / Tangible Assets11.7211.7911.18
Risk-based Capital Ratio17.8817.5917.15
Liquidity%%%
Loans / Deposits83.0875.5872.20
Non-Interest Bearing Deposits / Deposits17.6916.6815.95
Purchased Liabilities2.613.132.99

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