SAFE & SOUND® STAR RATINGS

Financial statement

ADAMS COUNTY BUILDING AND LOAN COMPANY, THE

WEST UNION, Ohio 45693

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




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$24,364$24,699$26,136
Loans Receivable, Net12,36612,54613,589
Mortgage-Backed Securities000
Investments5,6295,1143,163
Deposits20,21220,56421,988
Borrowings000
Equity4,0974,0724,108
Net Interest Income443850879
Fee Income000
Overhead437818803
Net Operating Income2551103
Net Income2551103
Ratio Analysis Profitability%%%
Return on Assets *0.140.200.39
Operating Return on Assets *0.140.200.39
Return on Equity *0.861.252.53
Net Interest Margin *3.693.583.64
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.363.173.08
Efficiency Ratio97.1194.1388.63
Asset Quality%%%
Nonperforming Assets / Assets3.824.884.04
Nonperforming Assets / Equity & Loss Reserves21.6428.2124.49
Loss Reserves / Nonperforming Loans28.9420.7325.19
1-4 Fam Mtg + MBS / Assets37.6337.1637.47
Commercial Real Estate Loans / Assets1.151.151.12
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.440.490.63
Capitalization%%%
Equity / Assets16.8216.4915.72
Tangible Capital / Tangible Assets16.8216.4915.72
Risk-based Capital Ratio26.7335.8833.95
Liquidity%%%
Loans / Deposits61.1861.0161.80
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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