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SAFE & SOUND® STAR RATINGS

BANK 21

ONE WEST WASHINGTON
CARROLLTON, Missouri 64633

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 634544




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$92,860$90,875$88,731
Loans Receivable, Net77,76675,19567,371
Mortgage-Backed Securities2,3872,6304,914
Investments5,7656,5507,990
Deposits82,45080,21879,575
Borrowings2,0002,1761,100
Equity8,2698,2457,860
Net Interest Income8933,2903,070
Fee Income45221227
Overhead7482,9302,741
Net Operating Income2841,054922
Net Income2841,054922
Ratio Analysis Profitability%%%
Return on Assets *1.211.151.04
Operating Return on Assets *1.211.151.04
Return on Equity *13.6513.0612.03
Net Interest Margin *3.963.863.71
Fee Income / Assets *0.240.240.26
Overhead / Assets *3.233.203.10
Efficiency Ratio69.7872.4972.82
Asset Quality%%%
Nonperforming Assets / Assets0.240.310.25
Nonperforming Assets / Equity & Loss Reserves2.453.042.52
Loss Reserves / Nonperforming Loans441.41343.57414.48
1-4 Fam Mtg + MBS / Assets44.3541.1336.11
Commercial Real Estate Loans / Assets6.246.547.51
Construction Loans / Assets8.448.356.44
Commercial & Industrial Loans / Assets13.4214.1614.66
Consumer Loans / Assets1.861.881.63
Capitalization%%%
Equity / Assets8.909.078.86
Tangible Capital / Tangible Assets8.628.778.51
Risk-based Capital Ratio12.7112.8112.88
Liquidity%%%
Loans / Deposits94.3293.7484.66
Non-Interest Bearing Deposits / Deposits27.5027.2524.73
Purchased Liabilities5.504.704.63

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