The Andover Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

The Andover Bank, serving Northeast Ohio, is a locally owned and independent community bank with eight full service banking centers located in Andover, Ashtabula Harbor, Austinburg, Conneaut, Geneva, Jefferson, and Madison. Automatic Teller Machines on the STAR/PLUS network are located in Andover, Ashtabula Harbor, Austinburg, Conneaut, Geneva, Jefferson, and Madison.

Andover Bank Corporate Headquarters
600 East Main St.
Andover, OH 44003
(440) 293-7256
fax: 440-293-6155

Ashtabula Harbor Banking Center
1630 West 19th Street, PO Box 3138
Ashtabula, OH 44005
(440) 964-8999
fax: 440-964-5956

Conneaut Banking Center
339 State St.
Conneaut, OH 44030
(440) 593-6595
fax: 440-593-6348

Geneva Banking Center
665 South Broadway
Geneva, OH 44041
(440) 466-3040
fax:440-466-9221

North Location
150 North Chestnut Street
Jefferson, OH 44047
(440) 576-2265
fax:440-576-2282

South Location
100 South Chestnut Street
Jefferson, OH 44047
(440) 576-5050
fax:440-576-5188

Madison Banking Center
6611 North Ridge Road
Madison, OH 44057
(440) 417-0200
fax: 440-417-0242