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SAFE & SOUND® STAR RATINGS

AMERICAN BANK OF BAXTER SPRINGS

1201 MILITARY AVENUE
BAXTER SPRINGS, Kansas 66713

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of March 31, 2016
Federal Reserve System Identifier 1002953




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$91,322$91,119$99,192
Loans Receivable, Net34,94734,23140,943
Mortgage-Backed Securities5,0124,0595,713
Investments27,57531,87620,527
Deposits81,78082,04490,288
Borrowings000
Equity9,4479,0088,826
Net Interest Income5152,2302,072
Fee Income62284284
Overhead6572,9073,453
Net Operating Income73348-1,661
Net Income73348-1,661
Ratio Analysis Profitability%%%
Return on Assets *0.030.37-1.62
Operating Return on Assets *0.030.37-1.62
Return on Equity *0.353.78-18.14
Net Interest Margin *2.662.592.21
Fee Income / Assets *0.300.300.28
Overhead / Assets *2.913.093.37
Efficiency Ratio100.7792.26131.19
Asset Quality%%%
Nonperforming Assets / Assets1.440.847.25
Nonperforming Assets / Equity & Loss Reserves10.486.2064.58
Loss Reserves / Nonperforming Loans538.24n/a38.44
1-4 Fam Mtg + MBS / Assets13.4012.4314.11
Commercial Real Estate Loans / Assets18.4019.7324.62
Construction Loans / Assets1.030.940.84
Commercial & Industrial Loans / Assets4.234.113.48
Consumer Loans / Assets1.521.561.54
Capitalization%%%
Equity / Assets10.349.898.90
Tangible Capital / Tangible Assets10.349.898.90
Risk-based Capital Ratio25.1324.8719.89
Liquidity%%%
Loans / Deposits42.7341.7245.35
Non-Interest Bearing Deposits / Deposits20.3118.4917.28
Purchased Liabilities5.015.015.58

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