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SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN EXCHANGE BANK, LINDSAY, OKLAHOMA
402 SOUTH MAIN STREET
LINDSAY, Oklahoma 73052

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 826451




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$50,090$44,666$41,415
Loans Receivable, Net11,81310,99714,100
Mortgage-Backed Securities2,3843,4654,291
Investments27,64021,89816,350
Deposits42,84038,32035,612
Borrowings000
Equity5,6934,9934,455
Net Interest Income1,8141,8521,913
Fee Income144143207
Overhead1,8501,8111,623
Net Operating Income1,33544273
Net Income1,017350119
Ratio Analysis Profitability%%%
Return on Assets *2.160.800.28
Operating Return on Assets *2.831.010.17
Return on Equity *18.637.032.71
Net Interest Margin *4.184.625.11
Fee Income / Assets *0.310.330.50
Overhead / Assets *3.934.183.91
Efficiency Ratio84.5980.9970.23
Asset Quality%%%
Nonperforming Assets / Assets0.040.563.21
Nonperforming Assets / Equity & Loss Reserves0.294.1624.42
Loss Reserves / Nonperforming Loans6958.339.477.01
1-4 Fam Mtg + MBS / Assets12.3115.6620.83
Commercial Real Estate Loans / Assets0.561.483.79
Construction Loans / Assets1.391.513.36
Commercial & Industrial Loans / Assets10.5610.167.90
Consumer Loans / Assets2.172.764.12
Capitalization%%%
Equity / Assets11.3711.1810.76
Tangible Capital / Tangible Assets11.3711.1810.76
Risk-based Capital Ratio20.0120.1118.81
Liquidity%%%
Loans / Deposits27.5728.7039.59
Non-Interest Bearing Deposits / Deposits31.5232.2530.42
Purchased Liabilities2.549.148.00

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
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