Safe & Sound » Bank Ratings » AMERICA'S COMMUNITY BANK


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, 2015
Federal Reserve System Identifier 440857




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$28,406$27,666$28,063
Loans Receivable, Net19,94720,74221,059
Mortgage-Backed Securities000
Investments2,5062,493518
Deposits23,92923,27223,825
Borrowings1,0001,0001,000
Equity3,4283,3593,044
Net Interest Income2531,0071,024
Fee Income31420
Overhead2098971,099
Net Operating Income56525112
Net Income54500191
Ratio Analysis Profitability%%%
Return on Assets *0.671.870.68
Operating Return on Assets *0.701.970.40
Return on Equity *5.3114.766.31
Net Interest Margin *4.004.063.91
Fee Income / Assets *0.050.050.07
Overhead / Assets *3.233.363.92
Efficiency Ratio78.8763.0890.75
Asset Quality%%%
Nonperforming Assets / Assets0.190.200.45
Nonperforming Assets / Equity & Loss Reserves1.401.433.53
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets21.1324.1122.76
Commercial Real Estate Loans / Assets33.4434.5430.45
Construction Loans / Assets4.684.575.56
Commercial & Industrial Loans / Assets9.5510.3214.86
Consumer Loans / Assets0.230.220.15
Capitalization%%%
Equity / Assets12.0712.1410.85
Tangible Capital / Tangible Assets12.0712.1410.85
Risk-based Capital Ratio19.2218.4216.40
Liquidity%%%
Loans / Deposits83.3689.1388.39
Non-Interest Bearing Deposits / Deposits15.0715.6018.95
Purchased Liabilities9.748.374.94

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

Connect with us