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SAFE & SOUND® STAR RATINGS

ANTWERP EXCHANGE BANK COMPANY, THE

305 SOUTH MAIN ST
ANTWERP, Ohio 45813

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 91615




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$100,341$94,252$88,500
Loans Receivable, Net75,57669,12858,915
Mortgage-Backed Securities1,7432,5073,661
Investments12,07913,99618,380
Deposits82,10377,42974,582
Borrowings8,0007,0934,857
Equity9,7769,3618,769
Net Interest Income3,2503,0583,003
Fee Income787996
Overhead2,6192,5502,420
Net Operating Income747799854
Net Income619689756
Ratio Analysis Profitability%%%
Return on Assets *0.650.750.83
Operating Return on Assets *0.780.870.94
Return on Equity *6.437.498.63
Net Interest Margin *3.633.593.57
Fee Income / Assets *0.080.090.11
Overhead / Assets *2.732.772.66
Efficiency Ratio74.3675.5872.98
Asset Quality%%%
Nonperforming Assets / Assets1.560.720.48
Nonperforming Assets / Equity & Loss Reserves14.906.794.55
Loss Reserves / Nonperforming Loans53.10122.96250.19
1-4 Fam Mtg + MBS / Assets27.8429.3628.92
Commercial Real Estate Loans / Assets10.818.169.00
Construction Loans / Assets1.993.410.94
Commercial & Industrial Loans / Assets6.068.057.30
Consumer Loans / Assets3.073.343.35
Capitalization%%%
Equity / Assets9.749.939.91
Tangible Capital / Tangible Assets9.749.939.91
Risk-based Capital Ratio14.0314.4315.76
Liquidity%%%
Loans / Deposits92.0589.2878.99
Non-Interest Bearing Deposits / Deposits20.1216.5815.82
Purchased Liabilities10.139.807.89

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