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SAFE & SOUND® STAR RATINGS

ADAMS COUNTY BUILDING AND LOAN COMPANY, THE


WEST UNION, Ohio 45693

STAR RATING: 3 starstarstar
Predictive Indicator + (improve)
As of March 31, 2016
Federal Reserve System Identifier 312570




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$24,015$24,120$24,415
Loans Receivable, Net12,64012,64712,355
Mortgage-Backed Securities000
Investments6,9536,8326,242
Deposits19,62619,82520,183
Borrowings000
Equity4,3674,2314,174
Net Interest Income194835858
Fee Income000
Overhead203780837
Net Operating Income137759
Net Income137759
Ratio Analysis Profitability%%%
Return on Assets *0.290.320.24
Operating Return on Assets *0.290.320.24
Return on Equity *1.671.821.43
Net Interest Margin *3.703.733.77
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.293.233.43
Efficiency Ratio102.5391.3394.68
Asset Quality%%%
Nonperforming Assets / Assets4.182.943.16
Nonperforming Assets / Equity & Loss Reserves21.9615.9817.63
Loss Reserves / Nonperforming Loans24.6340.4933.50
1-4 Fam Mtg + MBS / Assets39.4539.5637.39
Commercial Real Estate Loans / Assets2.042.041.13
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.260.190.52
Capitalization%%%
Equity / Assets18.1817.5417.10
Tangible Capital / Tangible Assets18.1817.5417.10
Risk-based Capital Ratio39.0838.1537.28
Liquidity%%%
Loans / Deposits64.4063.7961.21
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.
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