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 March 31, 2014
Federal Reserve System Identifier 826451




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$53,200$49,459$50,090
Loans Receivable, Net10,91910,80511,813
Mortgage-Backed Securities1,4091,5282,384
Investments26,55027,94527,640
Deposits45,91442,29242,840
Borrowings000
Equity5,9475,6845,693
Net Interest Income4062,0241,814
Fee Income22130144
Overhead3641,7461,850
Net Operating Income1027331,335
Net Income1025981,017
Ratio Analysis Profitability%%%
Return on Assets *0.941.142.16
Operating Return on Assets *1.201.402.83
Return on Equity *8.4910.3118.63
Net Interest Margin *4.294.444.18
Fee Income / Assets *0.210.250.31
Overhead / Assets *3.363.333.93
Efficiency Ratio77.9470.3784.59
Asset Quality%%%
Nonperforming Assets / Assets0.010.010.04
Nonperforming Assets / Equity & Loss Reserves0.100.110.29
Loss Reserves / Nonperforming Loansn/an/a6958.33
1-4 Fam Mtg + MBS / Assets9.8610.2312.31
Commercial Real Estate Loans / Assets0.570.630.56
Construction Loans / Assets0.330.381.39
Commercial & Industrial Loans / Assets9.139.7310.56
Consumer Loans / Assets1.732.042.17
Capitalization%%%
Equity / Assets11.1811.4911.37
Tangible Capital / Tangible Assets11.1811.4911.37
Risk-based Capital Ratio23.1222.2920.01
Liquidity%%%
Loans / Deposits23.7825.5527.57
Non-Interest Bearing Deposits / Deposits34.0833.5531.52
Purchased Liabilities2.632.832.54

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