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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 - (decline)
As of December 31, 2014
Federal Reserve System Identifier 91615




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$94,252$88,500$91,151
Loans Receivable, Net69,12858,91555,228
Mortgage-Backed Securities2,5073,6617,642
Investments13,99618,38021,698
Deposits77,42974,58277,527
Borrowings7,0934,8573,780
Equity9,3618,7699,073
Net Interest Income3,0583,0032,900
Fee Income799699
Overhead2,5502,4202,219
Net Operating Income799854873
Net Income689756763
Ratio Analysis Profitability%%%
Return on Assets *0.750.830.87
Operating Return on Assets *0.870.940.99
Return on Equity *7.498.638.73
Net Interest Margin *3.593.573.46
Fee Income / Assets *0.090.110.11
Overhead / Assets *2.772.662.53
Efficiency Ratio75.5872.9869.17
Asset Quality%%%
Nonperforming Assets / Assets0.720.480.12
Nonperforming Assets / Equity & Loss Reserves6.794.551.11
Loss Reserves / Nonperforming Loans122.96250.19536.45
1-4 Fam Mtg + MBS / Assets29.3628.9231.88
Commercial Real Estate Loans / Assets8.169.006.93
Construction Loans / Assets3.410.940.31
Commercial & Industrial Loans / Assets8.057.306.43
Consumer Loans / Assets3.343.353.06
Capitalization%%%
Equity / Assets9.939.919.95
Tangible Capital / Tangible Assets9.939.919.95
Risk-based Capital Ratio14.4315.7615.63
Liquidity%%%
Loans / Deposits89.2878.9971.24
Non-Interest Bearing Deposits / Deposits16.5815.8219.68
Purchased Liabilities9.807.895.96

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