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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 September 30, 2015
Federal Reserve System Identifier 811550




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$60,574$60,962$62,656
Loans Receivable, Net43,05640,08139,686
Mortgage-Backed Securities2,5623,6352,726
Investments4,5016,0419,758
Deposits52,07453,03254,963
Borrowings78800
Equity6,9197,1857,007
Net Interest Income1,9782,5972,682
Fee Income160251310
Overhead1,8052,4252,460
Net Operating Income486657641
Net Income486657641
Ratio Analysis Profitability%%%
Return on Assets *1.021.060.99
Operating Return on Assets *1.021.060.99
Return on Equity *8.999.429.23
Net Interest Margin *5.004.884.83
Fee Income / Assets *0.360.400.48
Overhead / Assets *4.063.913.79
Efficiency Ratio79.0380.0678.69
Asset Quality%%%
Nonperforming Assets / Assets1.610.941.17
Nonperforming Assets / Equity & Loss Reserves13.437.619.61
Loss Reserves / Nonperforming Loans37.9665.7788.32
1-4 Fam Mtg + MBS / Assets34.7834.5031.23
Commercial Real Estate Loans / Assets15.4515.4615.78
Construction Loans / Assets0.330.250.17
Commercial & Industrial Loans / Assets5.534.785.02
Consumer Loans / Assets11.1010.839.75
Capitalization%%%
Equity / Assets11.4211.7911.18
Tangible Capital / Tangible Assets11.4211.7911.18
Risk-based Capital Ratio17.0317.5917.15
Liquidity%%%
Loans / Deposits82.6875.5872.20
Non-Interest Bearing Deposits / Deposits18.0816.6815.95
Purchased Liabilities4.463.132.99

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