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 December 31, 2013
Federal Reserve System Identifier 1002953




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$105,490$98,948$111,291
Loans Receivable, Net47,47253,80361,894
Mortgage-Backed Securities14,798114154
Investments16,07124,39828,795
Deposits96,41589,399101,746
Borrowings000
Equity8,9349,4229,464
Net Interest Income2,2022,5023,020
Fee Income321344366
Overhead2,9343,0993,430
Net Operating Income-389-43-1,473
Net Income-389-42-1,474
Ratio Analysis Profitability%%%
Return on Assets *-0.38-0.04-1.28
Operating Return on Assets *-0.38-0.04-1.28
Return on Equity *-4.25-0.44-15.20
Net Interest Margin *2.302.642.92
Fee Income / Assets *0.310.330.32
Overhead / Assets *2.852.962.99
Efficiency Ratio115.28101.71102.33
Asset Quality%%%
Nonperforming Assets / Assets8.759.959.30
Nonperforming Assets / Equity & Loss Reserves75.3075.9673.83
Loss Reserves / Nonperforming Loans46.1144.687.36
1-4 Fam Mtg + MBS / Assets22.719.518.71
Commercial Real Estate Loans / Assets26.6532.0332.62
Construction Loans / Assets2.744.505.37
Commercial & Industrial Loans / Assets4.195.677.89
Consumer Loans / Assets1.571.361.24
Capitalization%%%
Equity / Assets8.479.528.50
Tangible Capital / Tangible Assets8.479.528.50
Risk-based Capital Ratio18.1416.7814.38
Liquidity%%%
Loans / Deposits49.2460.1860.83
Non-Interest Bearing Deposits / Deposits16.1616.1816.71
Purchased Liabilities5.705.3315.20

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