Safe & Sound » Bank Ratings » ADAMS DAIRY BANK


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, 2014
Federal Reserve System Identifier 3603765




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$94,236$77,495$74,410
Loans Receivable, Net64,75050,05051,796
Mortgage-Backed Securities0573512
Investments14,92613,6465,300
Deposits77,27860,84555,436
Borrowings7,9348,69411,000
Equity8,9777,9167,784
Net Interest Income3,2332,5402,334
Fee Income808773
Overhead2,3612,2321,902
Net Operating Income1,203460971
Net Income777314625
Ratio Analysis Profitability%%%
Return on Assets *0.880.430.99
Operating Return on Assets *1.360.641.54
Return on Equity *9.004.008.24
Net Interest Margin *3.783.703.87
Fee Income / Assets *0.090.120.12
Overhead / Assets *2.673.083.02
Efficiency Ratio67.5085.8178.01
Asset Quality%%%
Nonperforming Assets / Assets1.262.041.92
Nonperforming Assets / Equity & Loss Reserves11.9217.8516.40
Loss Reserves / Nonperforming Loans157.4897.9312900.00
1-4 Fam Mtg + MBS / Assets31.1633.5539.12
Commercial Real Estate Loans / Assets28.9025.2324.89
Construction Loans / Assets3.633.943.88
Commercial & Industrial Loans / Assets5.352.572.54
Consumer Loans / Assets0.430.410.47
Capitalization%%%
Equity / Assets9.5310.2110.46
Tangible Capital / Tangible Assets9.5310.2110.46
Risk-based Capital Ratio16.8519.1018.71
Liquidity%%%
Loans / Deposits83.7982.2693.43
Non-Interest Bearing Deposits / Deposits16.7715.8119.75
Purchased Liabilities27.9325.1518.00

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

Connect with us