SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 826451




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$54,568$49,459$50,090
Loans Receivable, Net12,09010,80511,813
Mortgage-Backed Securities1,2871,5282,384
Investments27,59627,94527,640
Deposits47,05542,29242,840
Borrowings000
Equity6,0825,6845,693
Net Interest Income9592,0241,814
Fee Income46130144
Overhead7461,7461,850
Net Operating Income4057331,335
Net Income3125981,017
Ratio Analysis Profitability%%%
Return on Assets *0.831.142.16
Operating Return on Assets *0.861.402.83
Return on Equity *7.2410.3118.63
Net Interest Margin *3.884.444.18
Fee Income / Assets *0.200.250.31
Overhead / Assets *3.513.333.93
Efficiency Ratio64.8170.3784.59
Asset Quality%%%
Nonperforming Assets / Assets0.080.010.04
Nonperforming Assets / Equity & Loss Reserves0.600.110.29
Loss Reserves / Nonperforming Loans2460.00n/a6958.33
1-4 Fam Mtg + MBS / Assets9.5310.2312.31
Commercial Real Estate Loans / Assets0.620.630.56
Construction Loans / Assets0.300.381.39
Commercial & Industrial Loans / Assets11.339.7310.56
Consumer Loans / Assets1.792.042.17
Capitalization%%%
Equity / Assets11.1511.4911.37
Tangible Capital / Tangible Assets11.1511.4911.37
Risk-based Capital Ratio22.4522.2920.01
Liquidity%%%
Loans / Deposits25.6925.5527.57
Non-Interest Bearing Deposits / Deposits36.0633.5531.52
Purchased Liabilities2.572.832.54

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