Safe & Sound » Bank Ratings » ADAMS COUNTY BUILDING AND LOAN COMPANY, THE


SAFE & SOUND® STAR RATINGS

ADAMS COUNTY BUILDING AND LOAN COMPANY, THE


WEST UNION, Ohio 45693

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 312570




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$24,395$24,415$24,699
Loans Receivable, Net12,27612,35512,546
Mortgage-Backed Securities000
Investments6,3786,2425,114
Deposits20,06020,18320,564
Borrowings000
Equity4,2854,1744,072
Net Interest Income203858850
Fee Income000
Overhead190837818
Net Operating Income195951
Net Income195951
Ratio Analysis Profitability%%%
Return on Assets *0.290.240.20
Operating Return on Assets *0.290.240.20
Return on Equity *1.701.431.25
Net Interest Margin *3.663.773.58
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.303.433.17
Efficiency Ratio90.9194.6894.13
Asset Quality%%%
Nonperforming Assets / Assets3.133.164.88
Nonperforming Assets / Equity & Loss Reserves17.0117.6328.21
Loss Reserves / Nonperforming Loans33.9633.5020.73
1-4 Fam Mtg + MBS / Assets36.8637.3937.16
Commercial Real Estate Loans / Assets1.181.131.15
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.430.520.49
Capitalization%%%
Equity / Assets17.5717.1016.49
Tangible Capital / Tangible Assets17.5717.1016.49
Risk-based Capital Ratio37.8337.2835.88
Liquidity%%%
Loans / Deposits61.2061.2161.01
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities0.000.000.00

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

Connect with us