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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, 2014
Federal Reserve System Identifier 826451




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$57,808$49,459$50,090
Loans Receivable, Net13,08310,80511,813
Mortgage-Backed Securities1,0481,5282,384
Investments30,04727,94527,640
Deposits50,31942,29242,840
Borrowings000
Equity6,0995,6845,693
Net Interest Income1,8412,0241,814
Fee Income100130144
Overhead1,7211,7461,850
Net Operating Income4597331,335
Net Income4255981,017
Ratio Analysis Profitability%%%
Return on Assets *0.771.142.16
Operating Return on Assets *0.831.402.83
Return on Equity *7.0010.3118.63
Net Interest Margin *3.574.444.18
Fee Income / Assets *0.180.250.31
Overhead / Assets *3.123.333.93
Efficiency Ratio78.9470.3784.59
Asset Quality%%%
Nonperforming Assets / Assets0.200.010.04
Nonperforming Assets / Equity & Loss Reserves1.670.110.29
Loss Reserves / Nonperforming Loans741.38n/a6958.33
1-4 Fam Mtg + MBS / Assets10.7410.2312.31
Commercial Real Estate Loans / Assets2.080.630.56
Construction Loans / Assets1.770.381.39
Commercial & Industrial Loans / Assets6.689.7310.56
Consumer Loans / Assets1.862.042.17
Capitalization%%%
Equity / Assets10.5511.4911.37
Tangible Capital / Tangible Assets10.5511.4911.37
Risk-based Capital Ratio21.5522.2920.01
Liquidity%%%
Loans / Deposits26.0025.5527.57
Non-Interest Bearing Deposits / Deposits37.4833.5531.52
Purchased Liabilities2.422.832.54

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