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, 2013
Federal Reserve System Identifier 811550




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$62,656$66,251$71,332
Loans Receivable, Net39,68639,51140,457
Mortgage-Backed Securities2,7263,9196,056
Investments9,75812,23112,786
Deposits54,96358,31163,446
Borrowings000
Equity7,0077,2997,255
Net Interest Income2,6822,8733,016
Fee Income310303299
Overhead2,4602,5742,675
Net Operating Income641673750
Net Income641673750
Ratio Analysis Profitability%%%
Return on Assets *0.990.961.04
Operating Return on Assets *0.990.961.04
Return on Equity *9.239.2710.77
Net Interest Margin *4.834.774.93
Fee Income / Assets *0.480.430.41
Overhead / Assets *3.793.683.71
Efficiency Ratio78.6977.0774.18
Asset Quality%%%
Nonperforming Assets / Assets1.170.470.86
Nonperforming Assets / Equity & Loss Reserves9.613.987.98
Loss Reserves / Nonperforming Loans88.32244.741.15
1-4 Fam Mtg + MBS / Assets31.2330.7031.50
Commercial Real Estate Loans / Assets15.7815.3114.32
Construction Loans / Assets0.170.090.15
Commercial & Industrial Loans / Assets5.025.645.37
Consumer Loans / Assets9.758.789.15
Capitalization%%%
Equity / Assets11.1811.0210.17
Tangible Capital / Tangible Assets11.1811.0210.17
Risk-based Capital Ratio17.1516.5815.36
Liquidity%%%
Loans / Deposits72.2067.7663.77
Non-Interest Bearing Deposits / Deposits15.9513.9911.88
Purchased Liabilities2.992.4013.02

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