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SAFE & SOUND® STAR RATINGS

BANK 21

ONE WEST WASHINGTON
BLUE SPRINGS, Missouri 64014

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 634544




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$90,760$88,731$89,229
Loans Receivable, Net68,88367,37154,556
Mortgage-Backed Securities4,5564,91460
Investments6,4647,99026,659
Deposits81,56479,57580,474
Borrowings1,1001,100246
Equity7,9637,8608,319
Net Interest Income7963,0702,041
Fee Income46227293
Overhead7212,7412,257
Net Operating Income226922368
Net Income226922368
Ratio Analysis Profitability%%%
Return on Assets *1.091.040.53
Operating Return on Assets *1.091.040.53
Return on Equity *12.5212.035.86
Net Interest Margin *3.763.713.30
Fee Income / Assets *0.210.260.42
Overhead / Assets *3.073.103.27
Efficiency Ratio75.1872.8285.56
Asset Quality%%%
Nonperforming Assets / Assets0.220.250.13
Nonperforming Assets / Equity & Loss Reserves2.202.521.26
Loss Reserves / Nonperforming Loans473.47414.48779.81
1-4 Fam Mtg + MBS / Assets36.3936.1121.94
Commercial Real Estate Loans / Assets7.307.516.81
Construction Loans / Assets7.476.441.61
Commercial & Industrial Loans / Assets14.5714.6613.32
Consumer Loans / Assets1.681.631.49
Capitalization%%%
Equity / Assets8.778.869.32
Tangible Capital / Tangible Assets8.448.518.93
Risk-based Capital Ratio12.8712.8815.40
Liquidity%%%
Loans / Deposits84.4584.6667.79
Non-Interest Bearing Deposits / Deposits23.5824.7322.05
Purchased Liabilities4.174.631.89

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