American Exchange Bank

American Exchange Bank is headquartered in Henryetta and is the 160^th largest bank in the state of Oklahoma. It is also the 5,745^th largest bank in the nation. It was established in 1933 and as of December of 2011, it had grown to 28 employees at 2 locations. American Exchange Bank has a 5-star health rating.

American Exchange Bank Routing Number: 103112248

Data for Q4 2011

Institution Statistics American Exchange Bank FDIC Certificate # 428 BankRate Report View Year Established 1933 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $71.33 million Loans $40.46 million Deposits $63.45 million Equity Capital $7.26 million Loan Loss Allowance $467,000 Unbacked Noncurrent Loans $116,000 Real Estate Owned $500,000 Historic Data - December 2010 Assets $70.74 million Equity Capital $6.64 million Loan Loss Allowance $764,000 Unbacked Noncurrent Loans $105,000 Real Estate Owned $600,000 Profit Margin - Quarterly Net Interest Margin 4.96% Return on Assets 1.04% Return on Equity 10.87% Interest Income $3.52 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Exchange Bank had $616,000 in non-current loans and owned real-estate with $7.72 million in equity and loan loss allowances on hand to cover it. This gives American Exchange Bank a Texas Ratio of 7.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Exchange Bank decreased slightly from 9.52% as of December 31, 2010 to 7.98% as of December 31, 2011, resulting in a positive change of 16.21%.This indicates that the balance sheet and financial strength for American Exchange Bank has improved slightly in recent periods. Deposit Growth In the past year, American Exchange Bank has decreased its total deposits by $-24,000, resulting in -0.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Exchange Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Exchange Bank has $71.33 million in assets with $7.72 million in equity, resulting in a capitalization level of 10.83%, which is above average.

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