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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 March 31, 2015
Federal Reserve System Identifier 3603765




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$97,613$94,236$77,495
Loans Receivable, Net63,53164,75050,050
Mortgage-Backed Securities00573
Investments16,77014,92613,646
Deposits80,18177,27860,845
Borrowings7,9347,9348,694
Equity9,4188,9777,916
Net Interest Income8493,2332,540
Fee Income148087
Overhead5572,3612,232
Net Operating Income3721,203460
Net Income242777314
Ratio Analysis Profitability%%%
Return on Assets *0.960.880.43
Operating Return on Assets *1.471.360.64
Return on Equity *9.849.004.00
Net Interest Margin *3.793.783.70
Fee Income / Assets *0.080.090.12
Overhead / Assets *2.562.673.08
Efficiency Ratio59.9667.5085.81
Asset Quality%%%
Nonperforming Assets / Assets1.211.262.04
Nonperforming Assets / Equity & Loss Reserves11.3511.9217.85
Loss Reserves / Nonperforming Loans159.06157.4897.93
1-4 Fam Mtg + MBS / Assets29.8131.1633.55
Commercial Real Estate Loans / Assets27.5228.9025.23
Construction Loans / Assets2.843.633.94
Commercial & Industrial Loans / Assets5.285.352.57
Consumer Loans / Assets0.370.430.41
Capitalization%%%
Equity / Assets9.659.5310.21
Tangible Capital / Tangible Assets9.659.5310.21
Risk-based Capital Ratio17.0916.8519.10
Liquidity%%%
Loans / Deposits79.2383.7982.26
Non-Interest Bearing Deposits / Deposits22.3416.7715.81
Purchased Liabilities23.1527.9325.15

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