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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 September 30, 2015
Federal Reserve System Identifier 634544




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$90,830$88,731$89,229
Loans Receivable, Net68,55567,37154,556
Mortgage-Backed Securities3,3904,91460
Investments7,0037,99026,659
Deposits82,38179,57580,474
Borrowings1001,100246
Equity8,1397,8608,319
Net Interest Income2,4393,0702,041
Fee Income167227293
Overhead2,2012,7412,257
Net Operating Income760922368
Net Income760922368
Ratio Analysis Profitability%%%
Return on Assets *1.081.040.53
Operating Return on Assets *1.081.040.53
Return on Equity *12.4212.035.86
Net Interest Margin *3.833.713.30
Fee Income / Assets *0.250.260.42
Overhead / Assets *3.163.103.27
Efficiency Ratio73.4972.8285.56
Asset Quality%%%
Nonperforming Assets / Assets0.160.250.13
Nonperforming Assets / Equity & Loss Reserves1.612.521.26
Loss Reserves / Nonperforming Loans645.89414.48779.81
1-4 Fam Mtg + MBS / Assets36.4336.1121.94
Commercial Real Estate Loans / Assets6.327.516.81
Construction Loans / Assets6.936.441.61
Commercial & Industrial Loans / Assets14.1914.6613.32
Consumer Loans / Assets1.651.631.49
Capitalization%%%
Equity / Assets8.968.869.32
Tangible Capital / Tangible Assets8.658.518.93
Risk-based Capital Ratio13.3012.8815.40
Liquidity%%%
Loans / Deposits83.2284.6667.79
Non-Interest Bearing Deposits / Deposits28.2624.7322.05
Purchased Liabilities2.364.631.89

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