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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 December 31, 2014
Federal Reserve System Identifier 312570




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$24,415$24,699$26,136
Loans Receivable, Net12,35512,54613,589
Mortgage-Backed Securities000
Investments6,2425,1143,163
Deposits20,18320,56421,988
Borrowings000
Equity4,1744,0724,108
Net Interest Income858850879
Fee Income000
Overhead837818803
Net Operating Income5951103
Net Income5951103
Ratio Analysis Profitability%%%
Return on Assets *0.240.200.39
Operating Return on Assets *0.240.200.39
Return on Equity *1.431.252.53
Net Interest Margin *3.773.583.64
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.433.173.08
Efficiency Ratio94.6894.1388.63
Asset Quality%%%
Nonperforming Assets / Assets3.164.884.04
Nonperforming Assets / Equity & Loss Reserves17.6328.2124.49
Loss Reserves / Nonperforming Loans33.5020.7325.19
1-4 Fam Mtg + MBS / Assets37.3937.1637.47
Commercial Real Estate Loans / Assets1.131.151.12
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.520.490.63
Capitalization%%%
Equity / Assets17.1016.4915.72
Tangible Capital / Tangible Assets17.1016.4915.72
Risk-based Capital Ratio37.2835.8833.95
Liquidity%%%
Loans / Deposits61.2161.0161.80
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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