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SAFE & SOUND® STAR RATINGS

AMERICA'S COMMUNITY BANK

1100 WEST MAIN STREET
BLUE SPRINGS, Missouri 64015

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 440857




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$28,458$27,666$28,063
Loans Receivable, Net18,08720,74221,059
Mortgage-Backed Securities000
Investments3,7722,493518
Deposits23,92123,27223,825
Borrowings1,0001,0001,000
Equity3,4673,3593,044
Net Interest Income7421,0071,024
Fee Income91420
Overhead6188971,099
Net Operating Income127525112
Net Income132500191
Ratio Analysis Profitability%%%
Return on Assets *0.651.870.68
Operating Return on Assets *0.641.970.40
Return on Equity *5.3014.766.31
Net Interest Margin *3.754.063.91
Fee Income / Assets *0.040.050.07
Overhead / Assets *3.013.363.92
Efficiency Ratio82.8463.0890.75
Asset Quality%%%
Nonperforming Assets / Assets0.000.200.45
Nonperforming Assets / Equity & Loss Reserves0.001.433.53
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets17.0624.1122.76
Commercial Real Estate Loans / Assets28.9234.5430.45
Construction Loans / Assets4.544.575.56
Commercial & Industrial Loans / Assets11.2410.3214.86
Consumer Loans / Assets0.400.220.15
Capitalization%%%
Equity / Assets12.1812.1410.85
Tangible Capital / Tangible Assets12.1812.1410.85
Risk-based Capital Ratio20.3118.4216.40
Liquidity%%%
Loans / Deposits75.6189.1388.39
Non-Interest Bearing Deposits / Deposits12.9315.6018.95
Purchased Liabilities9.758.374.94

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