SAFE & SOUND® STAR RATINGS

Financial statement

ANTWERP EXCHANGE BANK COMPANY, THE
305 SOUTH MAIN ST
ANTWERP, Ohio 45813

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 91615




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$90,082$88,500$91,151
Loans Receivable, Net59,35658,91555,228
Mortgage-Backed Securities3,4263,6617,642
Investments18,76318,38021,698
Deposits77,90074,58277,527
Borrowings3,0004,8573,780
Equity8,9648,7699,073
Net Interest Income7123,0032,900
Fee Income169699
Overhead5902,4202,219
Net Operating Income166854873
Net Income163756763
Ratio Analysis Profitability%%%
Return on Assets *0.820.830.87
Operating Return on Assets *0.920.940.99
Return on Equity *8.538.638.73
Net Interest Margin *3.593.573.46
Fee Income / Assets *0.100.110.11
Overhead / Assets *2.672.662.53
Efficiency Ratio75.0672.9869.17
Asset Quality%%%
Nonperforming Assets / Assets0.710.480.12
Nonperforming Assets / Equity & Loss Reserves6.594.551.11
Loss Reserves / Nonperforming Loans145.11250.19536.45
1-4 Fam Mtg + MBS / Assets28.3228.9231.88
Commercial Real Estate Loans / Assets8.779.006.93
Construction Loans / Assets0.990.940.31
Commercial & Industrial Loans / Assets7.427.306.43
Consumer Loans / Assets3.333.353.06
Capitalization%%%
Equity / Assets9.959.919.95
Tangible Capital / Tangible Assets9.959.919.95
Risk-based Capital Ratio15.7615.7615.63
Liquidity%%%
Loans / Deposits76.2078.9971.24
Non-Interest Bearing Deposits / Deposits15.1715.8219.68
Purchased Liabilities5.707.895.96

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