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 June 30, 2014
Federal Reserve System Identifier 440857




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$26,416$28,063$28,961
Loans Receivable, Net20,07521,05919,905
Mortgage-Backed Securities000
Investments2,510518530
Deposits21,80523,82524,839
Borrowings1,0001,0001,000
Equity3,3683,0442,943
Net Interest Income4971,0241,058
Fee Income72027
Overhead4471,099934
Net Operating Income431112224
Net Income410191214
Ratio Analysis Profitability%%%
Return on Assets *1.980.680.74
Operating Return on Assets *1.760.400.77
Return on Equity *16.586.317.22
Net Interest Margin *4.093.913.91
Fee Income / Assets *0.060.070.09
Overhead / Assets *3.933.923.23
Efficiency Ratio50.9190.7580.73
Asset Quality%%%
Nonperforming Assets / Assets1.120.452.06
Nonperforming Assets / Equity & Loss Reserves7.633.5316.32
Loss Reserves / Nonperforming Loans207.08n/a118.79
1-4 Fam Mtg + MBS / Assets23.3322.7623.57
Commercial Real Estate Loans / Assets33.2130.4523.91
Construction Loans / Assets4.995.566.20
Commercial & Industrial Loans / Assets12.7214.8614.01
Consumer Loans / Assets0.260.150.33
Capitalization%%%
Equity / Assets12.7510.8510.16
Tangible Capital / Tangible Assets12.7510.8510.04
Risk-based Capital Ratio18.8716.4016.78
Liquidity%%%
Loans / Deposits92.0788.3980.14
Non-Interest Bearing Deposits / Deposits19.8518.9514.80
Purchased Liabilities6.304.944.31

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