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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 December 31, 2012
Federal Reserve System Identifier 91615




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$91,151$81,677$75,184
Loans Receivable, Net55,22848,37447,029
Mortgage-Backed Securities7,6429,8467,987
Investments21,69818,19615,227
Deposits77,52770,11764,886
Borrowings3,7802,7383,142
Equity9,0738,2246,863
Net Interest Income2,9002,7662,387
Fee Income99123102
Overhead2,2192,0011,873
Net Operating Income873969588
Net Income763818526
Ratio Analysis Profitability%%%
Return on Assets *0.871.010.70
Operating Return on Assets *0.991.190.79
Return on Equity *8.7310.627.57
Net Interest Margin *3.463.633.43
Fee Income / Assets *0.110.150.14
Overhead / Assets *2.532.472.52
Efficiency Ratio69.1765.0570.31
Asset Quality%%%
Nonperforming Assets / Assets0.120.310.78
Nonperforming Assets / Equity & Loss Reserves1.112.927.85
Loss Reserves / Nonperforming Loans536.450.991.26
1-4 Fam Mtg + MBS / Assets31.8836.8635.41
Commercial Real Estate Loans / Assets6.937.768.48
Construction Loans / Assets0.310.510.92
Commercial & Industrial Loans / Assets6.436.246.12
Consumer Loans / Assets3.063.363.56
Capitalization%%%
Equity / Assets9.9510.079.13
Tangible Capital / Tangible Assets9.9510.079.13
Risk-based Capital Ratio15.6316.9016.42
Liquidity%%%
Loans / Deposits71.2468.9972.48
Non-Interest Bearing Deposits / Deposits19.6814.3511.63
Purchased Liabilities5.9611.3512.68

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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