SAFE & SOUND® STAR RATINGS

Financial statement

BANK 21
ONE WEST WASHINGTON
BLUE SPRINGS, Missouri 64014

STAR RATING: 4 starstarstarstar G
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 634544




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$88,402$89,229$57,183
Loans Receivable, Net57,33254,55629,844
Mortgage-Backed Securities9,6596068
Investments13,91526,65913,865
Deposits80,68380,47451,438
Borrowings1002460
Equity7,4788,3195,610
Net Interest Income7322,0411,834
Fee Income89293256
Overhead7152,2571,965
Net Operating Income173368380
Net Income173368380
Ratio Analysis Profitability%%%
Return on Assets *0.620.530.69
Operating Return on Assets *0.620.530.69
Return on Equity *7.075.867.02
Net Interest Margin *3.323.303.63
Fee Income / Assets *0.420.420.46
Overhead / Assets *3.163.273.57
Efficiency Ratio79.4485.5682.60
Asset Quality%%%
Nonperforming Assets / Assets0.240.130.00
Nonperforming Assets / Equity & Loss Reserves2.531.260.00
Loss Reserves / Nonperforming Loans439.15779.81n/a
1-4 Fam Mtg + MBS / Assets36.5121.9420.37
Commercial Real Estate Loans / Assets7.906.818.37
Construction Loans / Assets2.571.611.59
Commercial & Industrial Loans / Assets13.2613.3212.23
Consumer Loans / Assets1.521.491.55
Capitalization%%%
Equity / Assets8.469.329.81
Tangible Capital / Tangible Assets8.078.939.81
Risk-based Capital Ratio13.5515.4017.48
Liquidity%%%
Loans / Deposits71.0667.7958.02
Non-Interest Bearing Deposits / Deposits23.5622.0521.64
Purchased Liabilities2.071.892.56

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