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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 December 31, 2015
Federal Reserve System Identifier 440857




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$27,357$27,666$28,063
Loans Receivable, Net18,38720,74221,059
Mortgage-Backed Securities000
Investments2,7612,493518
Deposits22,85923,27223,825
Borrowings1,0001,0001,000
Equity3,4723,3593,044
Net Interest Income9801,0071,024
Fee Income131420
Overhead8428971,099
Net Operating Income155525112
Net Income159500191
Ratio Analysis Profitability%%%
Return on Assets *0.561.870.68
Operating Return on Assets *0.551.970.40
Return on Equity *4.6214.766.31
Net Interest Margin *3.724.063.91
Fee Income / Assets *0.050.050.07
Overhead / Assets *2.983.363.92
Efficiency Ratio84.3763.0890.75
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 / Assets17.3624.1122.76
Commercial Real Estate Loans / Assets27.4334.5430.45
Construction Loans / Assets9.004.575.56
Commercial & Industrial Loans / Assets13.0110.3214.86
Consumer Loans / Assets0.430.220.15
Capitalization%%%
Equity / Assets12.6912.1410.85
Tangible Capital / Tangible Assets12.6912.1410.85
Risk-based Capital Ratio20.0618.4216.40
Liquidity%%%
Loans / Deposits80.4489.1388.39
Non-Interest Bearing Deposits / Deposits14.0015.6018.95
Purchased Liabilities9.228.374.94

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