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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 March 31, 2016
Federal Reserve System Identifier 440857




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$28,745$27,357$27,666
Loans Receivable, Net19,52318,38720,742
Mortgage-Backed Securities000
Investments1,2642,7612,493
Deposits24,20922,85923,272
Borrowings1,0001,0001,000
Equity3,5083,4723,359
Net Interest Income2419801,007
Fee Income31314
Overhead224842897
Net Operating Income29155525
Net Income36159500
Ratio Analysis Profitability%%%
Return on Assets *0.500.561.87
Operating Return on Assets *0.450.551.97
Return on Equity *4.074.6214.76
Net Interest Margin *3.653.724.06
Fee Income / Assets *0.050.050.05
Overhead / Assets *3.032.983.36
Efficiency Ratio88.5484.3763.08
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.20
Nonperforming Assets / Equity & Loss Reserves0.000.001.43
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets17.1817.3624.11
Commercial Real Estate Loans / Assets34.2627.4334.54
Construction Loans / Assets2.559.004.57
Commercial & Industrial Loans / Assets12.2013.0110.32
Consumer Loans / Assets0.530.430.22
Capitalization%%%
Equity / Assets12.2012.6912.14
Tangible Capital / Tangible Assets12.2012.6912.14
Risk-based Capital Ratio19.4620.0618.42
Liquidity%%%
Loans / Deposits80.6480.4489.13
Non-Interest Bearing Deposits / Deposits15.9614.0015.60
Purchased Liabilities9.949.228.37

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