SAFE & SOUND® STAR RATINGS

Financial statement

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, 2014
Federal Reserve System Identifier 826451




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$58,089$49,459$50,090
Loans Receivable, Net12,19810,80511,813
Mortgage-Backed Securities1,1781,5282,384
Investments29,75927,94527,640
Deposits50,49442,29242,840
Borrowings000
Equity6,1705,6845,693
Net Interest Income1,4002,0241,814
Fee Income71130144
Overhead1,1201,7461,850
Net Operating Income5457331,335
Net Income4525981,017
Ratio Analysis Profitability%%%
Return on Assets *0.711.142.16
Operating Return on Assets *0.731.402.83
Return on Equity *6.3210.3118.63
Net Interest Margin *3.724.444.18
Fee Income / Assets *0.190.250.31
Overhead / Assets *3.453.333.93
Efficiency Ratio67.3570.3784.59
Asset Quality%%%
Nonperforming Assets / Assets0.300.010.04
Nonperforming Assets / Equity & Loss Reserves2.480.110.29
Loss Reserves / Nonperforming Loans491.95n/a6958.33
1-4 Fam Mtg + MBS / Assets10.3510.2312.31
Commercial Real Estate Loans / Assets0.560.630.56
Construction Loans / Assets0.500.381.39
Commercial & Industrial Loans / Assets9.029.7310.56
Consumer Loans / Assets1.692.042.17
Capitalization%%%
Equity / Assets10.6211.4911.37
Tangible Capital / Tangible Assets10.6211.4911.37
Risk-based Capital Ratio22.9322.2920.01
Liquidity%%%
Loans / Deposits24.1625.5527.57
Non-Interest Bearing Deposits / Deposits37.6133.5531.52
Purchased Liabilities2.412.832.54

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