SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 826451




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$49,459$50,090$44,666
Loans Receivable, Net10,80511,81310,997
Mortgage-Backed Securities1,5282,3843,465
Investments27,94527,64021,898
Deposits42,29242,84038,320
Borrowings000
Equity5,6845,6934,993
Net Interest Income2,0241,8141,852
Fee Income130144143
Overhead1,7461,8501,811
Net Operating Income7331,335442
Net Income5981,017350
Ratio Analysis Profitability%%%
Return on Assets *1.142.160.80
Operating Return on Assets *1.402.831.01
Return on Equity *10.3118.637.03
Net Interest Margin *4.444.184.62
Fee Income / Assets *0.250.310.33
Overhead / Assets *3.333.934.18
Efficiency Ratio70.3784.5980.99
Asset Quality%%%
Nonperforming Assets / Assets0.010.040.56
Nonperforming Assets / Equity & Loss Reserves0.110.294.16
Loss Reserves / Nonperforming Loansn/a6958.339.47
1-4 Fam Mtg + MBS / Assets10.2312.3115.66
Commercial Real Estate Loans / Assets0.630.561.48
Construction Loans / Assets0.381.391.51
Commercial & Industrial Loans / Assets9.7310.5610.16
Consumer Loans / Assets2.042.172.76
Capitalization%%%
Equity / Assets11.4911.3711.18
Tangible Capital / Tangible Assets11.4911.3711.18
Risk-based Capital Ratio22.2920.0120.11
Liquidity%%%
Loans / Deposits25.5527.5728.70
Non-Interest Bearing Deposits / Deposits33.5531.5232.25
Purchased Liabilities2.832.549.14

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