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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, 2016
Federal Reserve System Identifier 3603765




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$110,889$110,028$94,236
Loans Receivable, Net68,76369,95964,750
Mortgage-Backed Securities000
Investments22,84223,90514,926
Deposits85,25483,45877,278
Borrowings15,65016,7507,934
Equity9,9129,7678,977
Net Interest Income8773,4703,233
Fee Income177080
Overhead6552,3782,361
Net Operating Income3221,5161,203
Net Income2151,006777
Ratio Analysis Profitability%%%
Return on Assets *0.961.010.88
Operating Return on Assets *1.431.521.36
Return on Equity *10.0910.519.00
Net Interest Margin *3.553.603.78
Fee Income / Assets *0.070.070.09
Overhead / Assets *2.422.392.67
Efficiency Ratio67.0462.1467.50
Asset Quality%%%
Nonperforming Assets / Assets1.011.021.26
Nonperforming Assets / Equity & Loss Reserves10.2710.4711.92
Loss Reserves / Nonperforming Loans166.32164.30157.48
1-4 Fam Mtg + MBS / Assets27.4628.6731.16
Commercial Real Estate Loans / Assets27.1427.5428.90
Construction Loans / Assets3.612.803.63
Commercial & Industrial Loans / Assets3.784.595.35
Consumer Loans / Assets0.500.460.43
Capitalization%%%
Equity / Assets8.948.889.53
Tangible Capital / Tangible Assets8.948.889.53
Risk-based Capital Ratio15.1815.1916.85
Liquidity%%%
Loans / Deposits80.6683.8383.79
Non-Interest Bearing Deposits / Deposits20.3219.9416.77
Purchased Liabilities31.3532.9927.93

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