SAFE & SOUND® STAR RATINGS

Financial statement

AMERICA'S COMMUNITY BANK
1100 WEST MAIN STREET
BLUE SPRINGS, Missouri 64015

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




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$27,026$28,063$28,961
Loans Receivable, Net20,00221,05919,905
Mortgage-Backed Securities000
Investments516518530
Deposits22,37923,82524,839
Borrowings1,0001,0001,000
Equity3,4183,0442,943
Net Interest Income2541,0241,058
Fee Income42027
Overhead2371,099934
Net Operating Income393112224
Net Income374191214
Ratio Analysis Profitability%%%
Return on Assets *1.980.680.74
Operating Return on Assets *1.760.400.77
Return on Equity *17.416.317.22
Net Interest Margin *4.043.913.91
Fee Income / Assets *0.070.070.09
Overhead / Assets *3.953.923.23
Efficiency Ratio37.5690.7580.73
Asset Quality%%%
Nonperforming Assets / Assets0.200.452.06
Nonperforming Assets / Equity & Loss Reserves1.403.5316.32
Loss Reserves / Nonperforming Loansn/an/a118.79
1-4 Fam Mtg + MBS / Assets22.1422.7623.57
Commercial Real Estate Loans / Assets30.6630.4523.91
Construction Loans / Assets4.745.566.20
Commercial & Industrial Loans / Assets14.6114.8614.01
Consumer Loans / Assets0.230.150.33
Capitalization%%%
Equity / Assets12.6510.8510.16
Tangible Capital / Tangible Assets12.6510.8510.04
Risk-based Capital Ratio18.9616.4016.78
Liquidity%%%
Loans / Deposits89.3888.3980.14
Non-Interest Bearing Deposits / Deposits17.3618.9514.80
Purchased Liabilities5.134.944.31

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