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SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 312570




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$26,136$26,106$25,966
Loans Receivable, Net13,58914,09214,939
Mortgage-Backed Securities000
Investments3,163683596
Deposits21,98822,06621,816
Borrowings000
Equity4,1084,0043,978
Net Interest Income879862775
Fee Income066
Overhead803795785
Net Operating Income10374-78
Net Income10316-85
Ratio Analysis Profitability%%%
Return on Assets *0.390.28-0.32
Operating Return on Assets *0.390.28-0.32
Return on Equity *2.531.85-1.93
Net Interest Margin *3.643.563.36
Fee Income / Assets *0.000.020.02
Overhead / Assets *3.083.063.20
Efficiency Ratio88.63921611582
Asset Quality%%%
Nonperforming Assets / Assets4.044.134.20
Nonperforming Assets / Equity & Loss Reserves24.4925.6226.09
Loss Reserves / Nonperforming Loans25.191.421.34
1-4 Fam Mtg + MBS / Assets37.4738.1239.07
Commercial Real Estate Loans / Assets1.1215.6117.14
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.630.751.60
Capitalization%%%
Equity / Assets15.7215.3415.32
Tangible Capital / Tangible Assets15.7215.3415.32
Risk-based Capital Ratio33.9534.0132.99
Liquidity%%%
Loans / Deposits61.8063.8668.48
Non-Interest Bearing Deposits / Deposits0.00n/an/a
Purchased Liabilities2.353.953.90

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.45%
1 yr CD
0.62% 0.67%
5 yr CD
1.23% 1.24%
1 yr jumbo CD
0.65% 0.64%
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