SAFE & SOUND® STAR RATINGS

Financial statement

ADAMS DAIRY BANK
651 NORTHEAST CORONADO DRIVE
BLUE SPRINGS, Missouri 64014

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 3603765




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$85,742$77,495$74,410
Loans Receivable, Net55,84450,05051,796
Mortgage-Backed Securities485573512
Investments16,72513,6465,300
Deposits65,01060,84555,436
Borrowings12,2508,69411,000
Equity8,2677,9167,784
Net Interest Income7282,5402,334
Fee Income178773
Overhead5702,2321,902
Net Operating Income223460971
Net Income141314625
Ratio Analysis Profitability%%%
Return on Assets *0.410.430.99
Operating Return on Assets *0.620.641.54
Return on Equity *3.934.008.24
Net Interest Margin *3.633.703.87
Fee Income / Assets *0.110.120.12
Overhead / Assets *3.013.083.02
Efficiency Ratio71.8885.8178.01
Asset Quality%%%
Nonperforming Assets / Assets2.542.041.92
Nonperforming Assets / Equity & Loss Reserves23.6017.8516.40
Loss Reserves / Nonperforming Loans60.7397.9312900.00
1-4 Fam Mtg + MBS / Assets31.1733.5539.12
Commercial Real Estate Loans / Assets26.9725.2324.89
Construction Loans / Assets3.783.943.88
Commercial & Industrial Loans / Assets3.122.572.54
Consumer Loans / Assets0.380.410.47
Capitalization%%%
Equity / Assets9.6410.2110.46
Tangible Capital / Tangible Assets9.6410.2110.46
Risk-based Capital Ratio17.6019.1018.71
Liquidity%%%
Loans / Deposits85.9082.2693.43
Non-Interest Bearing Deposits / Deposits14.5515.8119.75
Purchased Liabilities28.4125.1518.00

* Calculations are based on the latest four quarters of income and expense.
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