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SAFE & SOUND® STAR RATINGS

ANTWERP EXCHANGE BANK COMPANY, THE

305 SOUTH MAIN ST
ANTWERP, Ohio 45813

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 91615




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$98,124$94,252$88,500
Loans Receivable, Net68,64869,12858,915
Mortgage-Backed Securities2,3382,5073,661
Investments13,36213,99618,380
Deposits84,74177,42974,582
Borrowings3,5007,0934,857
Equity9,5489,3618,769
Net Interest Income8073,0583,003
Fee Income147996
Overhead6382,5502,420
Net Operating Income205799854
Net Income167689756
Ratio Analysis Profitability%%%
Return on Assets *0.740.750.83
Operating Return on Assets *0.890.870.94
Return on Equity *7.427.498.63
Net Interest Margin *3.623.593.57
Fee Income / Assets *0.080.090.11
Overhead / Assets *2.772.772.66
Efficiency Ratio72.3475.5872.98
Asset Quality%%%
Nonperforming Assets / Assets0.400.720.48
Nonperforming Assets / Equity & Loss Reserves3.826.794.55
Loss Reserves / Nonperforming Loans395.12122.96250.19
1-4 Fam Mtg + MBS / Assets28.0329.3628.92
Commercial Real Estate Loans / Assets7.378.169.00
Construction Loans / Assets2.533.410.94
Commercial & Industrial Loans / Assets7.928.057.30
Consumer Loans / Assets3.093.343.35
Capitalization%%%
Equity / Assets9.739.939.91
Tangible Capital / Tangible Assets9.739.939.91
Risk-based Capital Ratio14.6514.4315.76
Liquidity%%%
Loans / Deposits81.0189.2878.99
Non-Interest Bearing Deposits / Deposits18.8716.5815.82
Purchased Liabilities7.289.807.89

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