SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar G
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 3603765




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$90,559$77,495$74,410
Loans Receivable, Net56,73550,05051,796
Mortgage-Backed Securities345573512
Investments16,87513,6465,300
Deposits71,94060,84555,436
Borrowings10,0008,69411,000
Equity8,5397,9167,784
Net Interest Income1,5712,5402,334
Fee Income418773
Overhead1,1842,2321,902
Net Operating Income524460971
Net Income340314625
Ratio Analysis Profitability%%%
Return on Assets *0.720.430.99
Operating Return on Assets *1.090.641.54
Return on Equity *7.064.008.24
Net Interest Margin *3.753.703.87
Fee Income / Assets *0.100.120.12
Overhead / Assets *2.873.083.02
Efficiency Ratio69.3285.8178.01
Asset Quality%%%
Nonperforming Assets / Assets1.352.041.92
Nonperforming Assets / Equity & Loss Reserves12.8617.8516.40
Loss Reserves / Nonperforming Loans156.4497.9312900.00
1-4 Fam Mtg + MBS / Assets30.1633.5539.12
Commercial Real Estate Loans / Assets25.8625.2324.89
Construction Loans / Assets3.393.943.88
Commercial & Industrial Loans / Assets2.692.572.54
Consumer Loans / Assets0.400.410.47
Capitalization%%%
Equity / Assets9.4310.2110.46
Tangible Capital / Tangible Assets9.4310.2110.46
Risk-based Capital Ratio17.8519.1018.71
Liquidity%%%
Loans / Deposits78.8682.2693.43
Non-Interest Bearing Deposits / Deposits22.8715.8119.75
Purchased Liabilities26.5125.1518.00

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