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 March 31, 2014
Federal Reserve System Identifier 312570




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$24,182$24,699$26,136
Loans Receivable, Net12,59812,54613,589
Mortgage-Backed Securities000
Investments5,5855,1143,163
Deposits20,03820,56421,988
Borrowings000
Equity4,0794,0724,108
Net Interest Income228850879
Fee Income000
Overhead224818803
Net Operating Income751103
Net Income751103
Ratio Analysis Profitability%%%
Return on Assets *0.170.200.39
Operating Return on Assets *0.170.200.39
Return on Equity *1.031.252.53
Net Interest Margin *3.643.583.64
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.253.173.08
Efficiency Ratio96.9794.1388.63
Asset Quality%%%
Nonperforming Assets / Assets4.384.884.04
Nonperforming Assets / Equity & Loss Reserves24.7328.2124.49
Loss Reserves / Nonperforming Loans24.4520.7325.19
1-4 Fam Mtg + MBS / Assets38.4137.1637.47
Commercial Real Estate Loans / Assets1.171.151.12
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.480.490.63
Capitalization%%%
Equity / Assets16.8716.4915.72
Tangible Capital / Tangible Assets16.8716.4915.72
Risk-based Capital Ratio25.8035.8833.95
Liquidity%%%
Loans / Deposits62.8761.0161.80
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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