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SAFE & SOUND® STAR RATINGS

AMERICAN EXCHANGE BANK, LINDSAY, OKLAHOMA

402 SOUTH MAIN STREET
Lindsay, OK 73052, Oklahoma 73052

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 826451




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$59,953$57,808$49,459
Loans Receivable, Net13,58513,08310,805
Mortgage-Backed Securities7521,0481,528
Investments31,99930,04727,945
Deposits51,93450,31942,292
Borrowings000
Equity6,6306,0995,684
Net Interest Income1,2881,8412,024
Fee Income98100130
Overhead1,1241,7211,746
Net Operating Income468459733
Net Income438425598
Ratio Analysis Profitability%%%
Return on Assets *0.680.771.14
Operating Return on Assets *0.630.831.40
Return on Equity *6.497.0010.31
Net Interest Margin *3.093.574.44
Fee Income / Assets *0.210.180.25
Overhead / Assets *2.853.123.33
Efficiency Ratio71.4178.9470.37
Asset Quality%%%
Nonperforming Assets / Assets0.180.200.01
Nonperforming Assets / Equity & Loss Reserves1.411.670.11
Loss Reserves / Nonperforming Loans818.87741.38n/a
1-4 Fam Mtg + MBS / Assets9.7410.7410.23
Commercial Real Estate Loans / Assets3.072.080.63
Construction Loans / Assets2.201.770.38
Commercial & Industrial Loans / Assets5.406.689.73
Consumer Loans / Assets1.951.862.04
Capitalization%%%
Equity / Assets11.0610.5511.49
Tangible Capital / Tangible Assets11.0610.5511.49
Risk-based Capital Ratio24.4321.5522.29
Liquidity%%%
Loans / Deposits26.1626.0025.55
Non-Interest Bearing Deposits / Deposits37.2437.4833.55
Purchased Liabilities2.342.422.83

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