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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 December 31, 2015
Federal Reserve System Identifier 826451




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$60,599$57,808$49,459
Loans Receivable, Net14,24613,08310,805
Mortgage-Backed Securities6601,0481,528
Investments31,30230,04727,945
Deposits52,96850,31942,292
Borrowings000
Equity6,2626,0995,684
Net Interest Income1,7111,8412,024
Fee Income141100130
Overhead1,7851,7211,746
Net Operating Income305459733
Net Income305425598
Ratio Analysis Profitability%%%
Return on Assets *0.500.771.14
Operating Return on Assets *0.500.831.40
Return on Equity *4.787.0010.31
Net Interest Margin *3.043.574.44
Fee Income / Assets *0.230.180.25
Overhead / Assets *2.903.123.33
Efficiency Ratio85.9878.9470.37
Asset Quality%%%
Nonperforming Assets / Assets0.170.200.01
Nonperforming Assets / Equity & Loss Reserves1.491.670.11
Loss Reserves / Nonperforming Loans819.81741.38n/a
1-4 Fam Mtg + MBS / Assets10.2810.7410.23
Commercial Real Estate Loans / Assets3.552.080.63
Construction Loans / Assets1.851.770.38
Commercial & Industrial Loans / Assets4.296.689.73
Consumer Loans / Assets2.311.862.04
Capitalization%%%
Equity / Assets10.3310.5511.49
Tangible Capital / Tangible Assets10.3310.5511.49
Risk-based Capital Ratio22.3321.5522.29
Liquidity%%%
Loans / Deposits26.9026.0025.55
Non-Interest Bearing Deposits / Deposits35.6237.4833.55
Purchased Liabilities2.312.422.83

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