SAFE & SOUND® STAR RATINGS

Financial statement

BANK OF ASH GROVE
HIGHWAY 160 AND WEBSTER STREET
ASH GROVE, Missouri 65604

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 568443




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$73,830$70,919$74,025
Loans Receivable, Net26,14127,01327,782
Mortgage-Backed Securities000
Investments28,19829,46127,350
Deposits61,00958,51261,470
Borrowings000
Equity12,55412,19911,980
Net Interest Income4932,1222,314
Fee Income27123137
Overhead3601,3021,215
Net Operating Income1861,0291,236
Net Income253836971
Ratio Analysis Profitability%%%
Return on Assets *1.231.131.24
Operating Return on Assets *1.381.401.58
Return on Equity *7.406.955.89
Net Interest Margin *3.083.083.12
Fee Income / Assets *0.170.170.18
Overhead / Assets *1.801.771.55
Efficiency Ratio65.6955.7648.12
Asset Quality%%%
Nonperforming Assets / Assets1.461.631.67
Nonperforming Assets / Equity & Loss Reserves8.279.139.93
Loss Reserves / Nonperforming Loans104.1790.8577.93
1-4 Fam Mtg + MBS / Assets14.3415.3315.14
Commercial Real Estate Loans / Assets4.544.744.80
Construction Loans / Assets0.210.260.14
Commercial & Industrial Loans / Assets10.8911.9611.93
Consumer Loans / Assets0.590.710.75
Capitalization%%%
Equity / Assets17.0017.2016.18
Tangible Capital / Tangible Assets17.0017.2016.18
Risk-based Capital Ratio36.7135.7033.69
Liquidity%%%
Loans / Deposits42.8546.1745.20
Non-Interest Bearing Deposits / Deposits12.7112.7311.63
Purchased Liabilities4.585.185.51

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