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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 September 30, 2014
Federal Reserve System Identifier 3603765




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$93,637$77,495$74,410
Loans Receivable, Net59,49650,05051,796
Mortgage-Backed Securities131573512
Investments17,89813,6465,300
Deposits74,84660,84555,436
Borrowings9,9368,69411,000
Equity8,7607,9167,784
Net Interest Income2,3862,5402,334
Fee Income618773
Overhead1,7412,2321,902
Net Operating Income856460971
Net Income553314625
Ratio Analysis Profitability%%%
Return on Assets *0.820.430.99
Operating Return on Assets *1.260.641.54
Return on Equity *8.034.008.24
Net Interest Margin *3.923.703.87
Fee Income / Assets *0.100.120.12
Overhead / Assets *2.853.083.02
Efficiency Ratio67.0485.8178.01
Asset Quality%%%
Nonperforming Assets / Assets1.302.041.92
Nonperforming Assets / Equity & Loss Reserves12.5717.8516.40
Loss Reserves / Nonperforming Loans156.4497.9312900.00
1-4 Fam Mtg + MBS / Assets30.3633.5539.12
Commercial Real Estate Loans / Assets26.2125.2324.89
Construction Loans / Assets3.363.943.88
Commercial & Industrial Loans / Assets2.382.572.54
Consumer Loans / Assets0.380.410.47
Capitalization%%%
Equity / Assets9.3610.2110.46
Tangible Capital / Tangible Assets9.3610.2110.46
Risk-based Capital Ratio17.4419.1018.71
Liquidity%%%
Loans / Deposits79.4982.2693.43
Non-Interest Bearing Deposits / Deposits20.4315.8119.75
Purchased Liabilities27.3725.1518.00

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