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SAFE & SOUND® STAR RATINGS

ADAMS COUNTY BUILDING AND LOAN COMPANY, THE


WEST UNION, Ohio 45693

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 312570




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$24,502$24,699$26,136
Loans Receivable, Net12,55012,54613,589
Mortgage-Backed Securities000
Investments5,8595,1143,163
Deposits20,33820,56421,988
Borrowings000
Equity4,1034,0724,108
Net Interest Income648850879
Fee Income000
Overhead641818803
Net Operating Income3151103
Net Income3151103
Ratio Analysis Profitability%%%
Return on Assets *0.100.200.39
Operating Return on Assets *0.100.200.39
Return on Equity *0.631.252.53
Net Interest Margin *3.673.583.64
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.383.173.08
Efficiency Ratio97.1294.1388.63
Asset Quality%%%
Nonperforming Assets / Assets3.754.884.04
Nonperforming Assets / Equity & Loss Reserves21.3628.2124.49
Loss Reserves / Nonperforming Loans29.3720.7325.19
1-4 Fam Mtg + MBS / Assets37.1437.1637.47
Commercial Real Estate Loans / Assets1.131.151.12
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.510.490.63
Capitalization%%%
Equity / Assets16.7516.4915.72
Tangible Capital / Tangible Assets16.7516.4915.72
Risk-based Capital Ratio36.2735.8833.95
Liquidity%%%
Loans / Deposits61.7161.0161.80
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities0.000.002.35

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