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SAFE & SOUND® STAR RATINGS

AMERICAN BANK OF BAXTER SPRINGS

1201 MILITARY AVENUE
BAXTER SPRINGS, Kansas 66713

STAR RATING: 1 star
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 1002953




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$99,192$105,490$98,948
Loans Receivable, Net40,94347,47253,803
Mortgage-Backed Securities5,71314,798114
Investments20,52716,07124,398
Deposits90,28896,41589,399
Borrowings000
Equity8,8268,9349,422
Net Interest Income2,0722,2022,502
Fee Income284321344
Overhead3,4532,9343,099
Net Operating Income-1,661-389-43
Net Income-1,661-389-42
Ratio Analysis Profitability%%%
Return on Assets *-1.62-0.38-0.04
Operating Return on Assets *-1.62-0.38-0.04
Return on Equity *-18.14-4.25-0.44
Net Interest Margin *2.212.302.64
Fee Income / Assets *0.280.310.33
Overhead / Assets *3.372.852.96
Efficiency Ratio131.19115.28101.71
Asset Quality%%%
Nonperforming Assets / Assets7.258.759.95
Nonperforming Assets / Equity & Loss Reserves64.5875.3075.96
Loss Reserves / Nonperforming Loans38.4446.1144.68
1-4 Fam Mtg + MBS / Assets14.1122.719.51
Commercial Real Estate Loans / Assets24.6226.6532.03
Construction Loans / Assets0.842.744.50
Commercial & Industrial Loans / Assets3.484.195.67
Consumer Loans / Assets1.541.571.36
Capitalization%%%
Equity / Assets8.908.479.52
Tangible Capital / Tangible Assets8.908.479.52
Risk-based Capital Ratio19.8918.1416.78
Liquidity%%%
Loans / Deposits45.3549.2460.18
Non-Interest Bearing Deposits / Deposits17.2816.1616.18
Purchased Liabilities5.585.705.33

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