SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN BANK OF BAXTER SPRINGS
1201 MILITARY AVENUE
BAXTER SPRINGS, Kansas 66713

STAR RATING: 1 star
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 1002953




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$103,216$105,490$98,948
Loans Receivable, Net44,82347,47253,803
Mortgage-Backed Securities4,09214,798114
Investments29,04016,07124,398
Deposits93,77796,41589,399
Borrowings000
Equity9,2948,9349,422
Net Interest Income1,0552,2022,502
Fee Income141321344
Overhead1,6902,9343,099
Net Operating Income-239-389-43
Net Income-239-389-42
Ratio Analysis Profitability%%%
Return on Assets *-0.42-0.38-0.04
Operating Return on Assets *-0.42-0.38-0.04
Return on Equity *-4.71-4.25-0.44
Net Interest Margin *2.262.302.64
Fee Income / Assets *0.290.310.33
Overhead / Assets *3.102.852.96
Efficiency Ratio130.70115.28101.71
Asset Quality%%%
Nonperforming Assets / Assets11.908.759.95
Nonperforming Assets / Equity & Loss Reserves98.8975.3075.96
Loss Reserves / Nonperforming Loans30.2946.1144.68
1-4 Fam Mtg + MBS / Assets12.5922.719.51
Commercial Real Estate Loans / Assets25.6826.6532.03
Construction Loans / Assets2.992.744.50
Commercial & Industrial Loans / Assets3.824.195.67
Consumer Loans / Assets1.451.571.36
Capitalization%%%
Equity / Assets9.008.479.52
Tangible Capital / Tangible Assets9.008.479.52
Risk-based Capital Ratio19.1318.1416.78
Liquidity%%%
Loans / Deposits47.8049.2460.18
Non-Interest Bearing Deposits / Deposits17.9616.1616.18
Purchased Liabilities5.865.705.33

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