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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 December 31, 2015
Federal Reserve System Identifier 634544




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$90,875$88,731$89,229
Loans Receivable, Net75,19567,37154,556
Mortgage-Backed Securities2,6304,91460
Investments6,5507,99026,659
Deposits80,21879,57580,474
Borrowings2,1761,100246
Equity8,2457,8608,319
Net Interest Income3,2903,0702,041
Fee Income221227293
Overhead2,9302,7412,257
Net Operating Income1,054922368
Net Income1,054922368
Ratio Analysis Profitability%%%
Return on Assets *1.151.040.53
Operating Return on Assets *1.151.040.53
Return on Equity *13.0612.035.86
Net Interest Margin *3.863.713.30
Fee Income / Assets *0.240.260.42
Overhead / Assets *3.203.103.27
Efficiency Ratio72.4972.8285.56
Asset Quality%%%
Nonperforming Assets / Assets0.310.250.13
Nonperforming Assets / Equity & Loss Reserves3.042.521.26
Loss Reserves / Nonperforming Loans343.57414.48779.81
1-4 Fam Mtg + MBS / Assets41.1336.1121.94
Commercial Real Estate Loans / Assets6.547.516.81
Construction Loans / Assets8.356.441.61
Commercial & Industrial Loans / Assets14.1614.6613.32
Consumer Loans / Assets1.881.631.49
Capitalization%%%
Equity / Assets9.078.869.32
Tangible Capital / Tangible Assets8.778.518.93
Risk-based Capital Ratio12.8112.8815.40
Liquidity%%%
Loans / Deposits93.7484.6667.79
Non-Interest Bearing Deposits / Deposits27.2524.7322.05
Purchased Liabilities4.704.631.89

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