SAFE & SOUND® STAR RATINGS

Financial statement

ADAMS COUNTY BUILDING AND LOAN COMPANY, THE
201 WEST MAIN STEEET
WEST UNION, Ohio 45693

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 312570




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$24,699$26,136$26,106
Loans Receivable, Net12,54613,58914,092
Mortgage-Backed Securities000
Investments5,1143,163683
Deposits20,56421,98822,066
Borrowings000
Equity4,0724,1084,004
Net Interest Income850879862
Fee Income006
Overhead818803795
Net Operating Income5110374
Net Income5110316
Ratio Analysis Profitability%%%
Return on Assets *0.200.390.28
Operating Return on Assets *0.200.390.28
Return on Equity *1.252.531.85
Net Interest Margin *3.583.643.56
Fee Income / Assets *0.000.000.02
Overhead / Assets *3.173.083.06
Efficiency Ratio94.1388.639216.00
Asset Quality%%%
Nonperforming Assets / Assets4.884.044.13
Nonperforming Assets / Equity & Loss Reserves28.2124.4925.62
Loss Reserves / Nonperforming Loans20.7325.191.42
1-4 Fam Mtg + MBS / Assets37.1637.4738.12
Commercial Real Estate Loans / Assets1.151.1215.61
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.490.630.75
Capitalization%%%
Equity / Assets16.4915.7215.34
Tangible Capital / Tangible Assets16.4915.7215.34
Risk-based Capital Ratio35.8833.9534.01
Liquidity%%%
Loans / Deposits61.0161.8063.86
Non-Interest Bearing Deposits / Deposits0.000.00n/a
Purchased Liabilities0.002.353.95

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