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 June 30, 2014
Federal Reserve System Identifier 634544




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$85,909$89,229$57,183
Loans Receivable, Net62,17554,55629,844
Mortgage-Backed Securities7,8576068
Investments11,35426,65913,865
Deposits76,97780,47451,438
Borrowings1,1002460
Equity7,6408,3195,610
Net Interest Income1,4872,0411,834
Fee Income104293256
Overhead1,3962,2571,965
Net Operating Income399368380
Net Income399368380
Ratio Analysis Profitability%%%
Return on Assets *0.720.530.69
Operating Return on Assets *0.720.530.69
Return on Equity *8.325.867.02
Net Interest Margin *3.413.303.63
Fee Income / Assets *0.330.420.46
Overhead / Assets *3.103.273.57
Efficiency Ratio76.8785.5682.60
Asset Quality%%%
Nonperforming Assets / Assets0.290.130.00
Nonperforming Assets / Equity & Loss Reserves2.961.260.00
Loss Reserves / Nonperforming Loans358.82779.81n/a
1-4 Fam Mtg + MBS / Assets37.7421.9420.37
Commercial Real Estate Loans / Assets7.476.818.37
Construction Loans / Assets4.451.611.59
Commercial & Industrial Loans / Assets14.0913.3212.23
Consumer Loans / Assets1.591.491.55
Capitalization%%%
Equity / Assets8.899.329.81
Tangible Capital / Tangible Assets8.518.939.81
Risk-based Capital Ratio13.2215.4017.48
Liquidity%%%
Loans / Deposits80.7767.7958.02
Non-Interest Bearing Deposits / Deposits23.2122.0521.64
Purchased Liabilities4.181.892.56

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