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SAFE & SOUND® STAR RATINGS

AMERICA'S COMMUNITY BANK

1100 WEST MAIN STREET
BLUE SPRINGS, Missouri 64015

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 440857




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$27,666$28,063$28,961
Loans Receivable, Net20,74221,05919,905
Mortgage-Backed Securities000
Investments2,493518530
Deposits23,27223,82524,839
Borrowings1,0001,0001,000
Equity3,3593,0442,943
Net Interest Income1,0071,0241,058
Fee Income142027
Overhead8971,099934
Net Operating Income525112224
Net Income500191214
Ratio Analysis Profitability%%%
Return on Assets *1.870.680.74
Operating Return on Assets *1.970.400.77
Return on Equity *14.766.317.22
Net Interest Margin *4.063.913.91
Fee Income / Assets *0.050.070.09
Overhead / Assets *3.363.923.23
Efficiency Ratio63.0890.7580.73
Asset Quality%%%
Nonperforming Assets / Assets0.200.452.06
Nonperforming Assets / Equity & Loss Reserves1.433.5316.32
Loss Reserves / Nonperforming Loansn/an/a118.79
1-4 Fam Mtg + MBS / Assets24.1122.7623.57
Commercial Real Estate Loans / Assets34.5430.4523.91
Construction Loans / Assets4.575.566.20
Commercial & Industrial Loans / Assets10.3214.8614.01
Consumer Loans / Assets0.220.150.33
Capitalization%%%
Equity / Assets12.1410.8510.16
Tangible Capital / Tangible Assets12.1410.8510.04
Risk-based Capital Ratio18.4216.4016.78
Liquidity%%%
Loans / Deposits89.1388.3980.14
Non-Interest Bearing Deposits / Deposits15.6018.9514.80
Purchased Liabilities8.374.944.31

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