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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 March 31, 2015
Federal Reserve System Identifier 826451




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$61,850$57,808$49,459
Loans Receivable, Net13,10913,08310,805
Mortgage-Backed Securities9331,0481,528
Investments31,03030,04727,945
Deposits54,27250,31942,292
Borrowings000
Equity6,2136,0995,684
Net Interest Income4211,8412,024
Fee Income32100130
Overhead4011,7211,746
Net Operating Income114459733
Net Income114425598
Ratio Analysis Profitability%%%
Return on Assets *0.760.771.14
Operating Return on Assets *0.820.831.40
Return on Equity *7.127.0010.31
Net Interest Margin *3.463.574.44
Fee Income / Assets *0.190.180.25
Overhead / Assets *3.063.123.33
Efficiency Ratio80.5278.9470.37
Asset Quality%%%
Nonperforming Assets / Assets0.200.200.01
Nonperforming Assets / Equity & Loss Reserves1.711.670.11
Loss Reserves / Nonperforming Loans710.74741.38n/a
1-4 Fam Mtg + MBS / Assets9.8410.7410.23
Commercial Real Estate Loans / Assets1.772.080.63
Construction Loans / Assets3.081.770.38
Commercial & Industrial Loans / Assets5.156.689.73
Consumer Loans / Assets1.541.862.04
Capitalization%%%
Equity / Assets10.0510.5511.49
Tangible Capital / Tangible Assets10.0510.5511.49
Risk-based Capital Ratio34.1821.5522.29
Liquidity%%%
Loans / Deposits24.1526.0025.55
Non-Interest Bearing Deposits / Deposits37.7537.4833.55
Purchased Liabilities2.262.422.83

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