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SAFE & SOUND® STAR RATINGS

ADAMS DAIRY BANK

651 NORTHEAST CORONADO DRIVE
BLUE SPRINGS, Missouri 64014

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 3603765




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$110,028$94,236$77,495
Loans Receivable, Net69,95964,75050,050
Mortgage-Backed Securities00573
Investments23,90514,92613,646
Deposits83,45877,27860,845
Borrowings16,7507,9348,694
Equity9,7678,9777,916
Net Interest Income3,4703,2332,540
Fee Income708087
Overhead2,3782,3612,232
Net Operating Income1,5161,203460
Net Income1,006777314
Ratio Analysis Profitability%%%
Return on Assets *1.010.880.43
Operating Return on Assets *1.521.360.64
Return on Equity *10.519.004.00
Net Interest Margin *3.603.783.70
Fee Income / Assets *0.070.090.12
Overhead / Assets *2.392.673.08
Efficiency Ratio62.1467.5085.81
Asset Quality%%%
Nonperforming Assets / Assets1.021.262.04
Nonperforming Assets / Equity & Loss Reserves10.4711.9217.85
Loss Reserves / Nonperforming Loans164.30157.4897.93
1-4 Fam Mtg + MBS / Assets28.6731.1633.55
Commercial Real Estate Loans / Assets27.5428.9025.23
Construction Loans / Assets2.803.633.94
Commercial & Industrial Loans / Assets4.595.352.57
Consumer Loans / Assets0.460.430.41
Capitalization%%%
Equity / Assets8.889.5310.21
Tangible Capital / Tangible Assets8.889.5310.21
Risk-based Capital Ratio15.1916.8519.10
Liquidity%%%
Loans / Deposits83.8383.7982.26
Non-Interest Bearing Deposits / Deposits19.9416.7715.81
Purchased Liabilities32.9927.9325.15

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