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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 September 30, 2014
Federal Reserve System Identifier 440857




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$25,862$28,063$28,961
Loans Receivable, Net20,15321,05919,905
Mortgage-Backed Securities000
Investments2,501518530
Deposits21,19023,82524,839
Borrowings1,0001,0001,000
Equity3,4013,0442,943
Net Interest Income7581,0241,058
Fee Income112027
Overhead6741,099934
Net Operating Income474112224
Net Income451191214
Ratio Analysis Profitability%%%
Return on Assets *1.760.680.74
Operating Return on Assets *1.850.400.77
Return on Equity *14.976.317.22
Net Interest Margin *4.053.913.91
Fee Income / Assets *0.060.070.09
Overhead / Assets *3.703.923.23
Efficiency Ratio58.7190.7580.73
Asset Quality%%%
Nonperforming Assets / Assets0.210.452.06
Nonperforming Assets / Equity & Loss Reserves1.413.5316.32
Loss Reserves / Nonperforming Loansn/an/a118.79
1-4 Fam Mtg + MBS / Assets24.2422.7623.57
Commercial Real Estate Loans / Assets33.4230.4523.91
Construction Loans / Assets5.665.566.20
Commercial & Industrial Loans / Assets13.1014.8614.01
Consumer Loans / Assets0.250.150.33
Capitalization%%%
Equity / Assets13.1510.8510.16
Tangible Capital / Tangible Assets13.1510.8510.04
Risk-based Capital Ratio19.0416.4016.78
Liquidity%%%
Loans / Deposits95.1188.3980.14
Non-Interest Bearing Deposits / Deposits15.3718.9514.80
Purchased Liabilities6.444.944.31

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