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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, 2015
Federal Reserve System Identifier 312570




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$24,120$24,415$24,699
Loans Receivable, Net12,64712,35512,546
Mortgage-Backed Securities000
Investments6,8326,2425,114
Deposits19,82520,18320,564
Borrowings000
Equity4,2314,1744,072
Net Interest Income835858850
Fee Income000
Overhead780837818
Net Operating Income775951
Net Income775951
Ratio Analysis Profitability%%%
Return on Assets *0.320.240.20
Operating Return on Assets *0.320.240.20
Return on Equity *1.821.431.25
Net Interest Margin *3.733.773.58
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.233.433.17
Efficiency Ratio91.3394.6894.13
Asset Quality%%%
Nonperforming Assets / Assets2.943.164.88
Nonperforming Assets / Equity & Loss Reserves15.9817.6328.21
Loss Reserves / Nonperforming Loans40.4933.5020.73
1-4 Fam Mtg + MBS / Assets39.5637.3937.16
Commercial Real Estate Loans / Assets2.041.131.15
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.190.520.49
Capitalization%%%
Equity / Assets17.5417.1016.49
Tangible Capital / Tangible Assets17.5417.1016.49
Risk-based Capital Ratio38.1537.2835.88
Liquidity%%%
Loans / Deposits63.7961.2161.01
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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