SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 2 starstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 568443




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$73,220$70,919$74,025
Loans Receivable, Net25,52127,01327,782
Mortgage-Backed Securities000
Investments27,82429,46127,350
Deposits67,04658,51261,470
Borrowings000
Equity5,56312,19911,980
Net Interest Income9852,1222,314
Fee Income56123137
Overhead9301,3021,215
Net Operating Income1641,0291,236
Net Income201836971
Ratio Analysis Profitability%%%
Return on Assets *0.871.131.24
Operating Return on Assets *0.971.401.58
Return on Equity *6.006.955.89
Net Interest Margin *3.043.083.12
Fee Income / Assets *0.170.170.18
Overhead / Assets *2.171.771.55
Efficiency Ratio84.8555.7648.12
Asset Quality%%%
Nonperforming Assets / Assets2.331.631.67
Nonperforming Assets / Equity & Loss Reserves28.429.139.93
Loss Reserves / Nonperforming Loans40.1690.8577.93
1-4 Fam Mtg + MBS / Assets13.9915.3315.14
Commercial Real Estate Loans / Assets4.544.744.80
Construction Loans / Assets0.020.260.14
Commercial & Industrial Loans / Assets10.7111.9611.93
Consumer Loans / Assets0.600.710.75
Capitalization%%%
Equity / Assets7.6017.2016.18
Tangible Capital / Tangible Assets7.6017.2016.18
Risk-based Capital Ratio16.2735.7033.69
Liquidity%%%
Loans / Deposits38.0646.1745.20
Non-Interest Bearing Deposits / Deposits22.6412.7311.63
Purchased Liabilities4.645.185.51

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