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 September 30, 2014
Federal Reserve System Identifier 1002953




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$95,638$105,490$98,948
Loans Receivable, Net41,93447,47253,803
Mortgage-Backed Securities3,95014,798114
Investments23,94216,07124,398
Deposits86,51496,41589,399
Borrowings000
Equity8,9938,9349,422
Net Interest Income1,5352,2022,502
Fee Income216321344
Overhead2,5072,9343,099
Net Operating Income-1,485-389-43
Net Income-1,485-389-42
Ratio Analysis Profitability%%%
Return on Assets *-1.58-0.38-0.04
Operating Return on Assets *-1.58-0.38-0.04
Return on Equity *-17.85-4.25-0.44
Net Interest Margin *2.222.302.64
Fee Income / Assets *0.280.310.33
Overhead / Assets *3.162.852.96
Efficiency Ratio134.64115.28101.71
Asset Quality%%%
Nonperforming Assets / Assets9.698.759.95
Nonperforming Assets / Equity & Loss Reserves82.4675.3075.96
Loss Reserves / Nonperforming Loans29.3246.1144.68
1-4 Fam Mtg + MBS / Assets12.8222.719.51
Commercial Real Estate Loans / Assets26.1426.6532.03
Construction Loans / Assets1.422.744.50
Commercial & Industrial Loans / Assets3.824.195.67
Consumer Loans / Assets1.611.571.36
Capitalization%%%
Equity / Assets9.408.479.52
Tangible Capital / Tangible Assets9.408.479.52
Risk-based Capital Ratio19.9718.1416.78
Liquidity%%%
Loans / Deposits48.4749.2460.18
Non-Interest Bearing Deposits / Deposits17.2716.1616.18
Purchased Liabilities5.775.705.33

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