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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, 2015
Federal Reserve System Identifier 811550




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$61,932$60,962$62,656
Loans Receivable, Net40,63740,08139,686
Mortgage-Backed Securities4,5003,6352,726
Investments5,8176,0419,758
Deposits54,38153,03254,963
Borrowings000
Equity6,7977,1857,007
Net Interest Income6522,5972,682
Fee Income54251310
Overhead6252,4252,460
Net Operating Income181657641
Net Income181657641
Ratio Analysis Profitability%%%
Return on Assets *1.091.060.99
Operating Return on Assets *1.091.060.99
Return on Equity *9.619.429.23
Net Interest Margin *4.904.884.83
Fee Income / Assets *0.370.400.48
Overhead / Assets *3.963.913.79
Efficiency Ratio82.3580.0678.69
Asset Quality%%%
Nonperforming Assets / Assets1.350.941.17
Nonperforming Assets / Equity & Loss Reserves11.627.619.61
Loss Reserves / Nonperforming Loans48.5965.7788.32
1-4 Fam Mtg + MBS / Assets35.4334.5031.23
Commercial Real Estate Loans / Assets16.0615.4615.78
Construction Loans / Assets0.250.250.17
Commercial & Industrial Loans / Assets4.774.785.02
Consumer Loans / Assets10.2610.839.75
Capitalization%%%
Equity / Assets10.9711.7911.18
Tangible Capital / Tangible Assets10.9711.7911.18
Risk-based Capital Ratio17.6017.5917.15
Liquidity%%%
Loans / Deposits74.7375.5872.20
Non-Interest Bearing Deposits / Deposits17.1316.6815.95
Purchased Liabilities3.083.132.99

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