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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, 2016
Federal Reserve System Identifier 826451




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$61,652$60,599$57,808
Loans Receivable, Net14,42414,24613,083
Mortgage-Backed Securities6046601,048
Investments33,73931,30230,047
Deposits53,92452,96850,319
Borrowings000
Equity6,4956,2626,099
Net Interest Income4251,7111,841
Fee Income36141100
Overhead3771,7851,721
Net Operating Income117305459
Net Income117305425
Ratio Analysis Profitability%%%
Return on Assets *0.500.500.77
Operating Return on Assets *0.500.500.83
Return on Equity *4.784.787.00
Net Interest Margin *3.063.043.57
Fee Income / Assets *0.230.230.18
Overhead / Assets *2.852.903.12
Efficiency Ratio76.3285.9878.94
Asset Quality%%%
Nonperforming Assets / Assets0.170.170.20
Nonperforming Assets / Equity & Loss Reserves1.441.491.67
Loss Reserves / Nonperforming Loans820.75819.81741.38
1-4 Fam Mtg + MBS / Assets9.7510.2810.74
Commercial Real Estate Loans / Assets3.423.552.08
Construction Loans / Assets1.681.851.77
Commercial & Industrial Loans / Assets4.564.296.68
Consumer Loans / Assets2.262.311.86
Capitalization%%%
Equity / Assets10.5310.3310.55
Tangible Capital / Tangible Assets10.5310.3310.55
Risk-based Capital Ratio21.5022.3321.55
Liquidity%%%
Loans / Deposits26.7526.9026.00
Non-Interest Bearing Deposits / Deposits33.6435.6237.48
Purchased Liabilities2.272.312.42

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