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SAFE & SOUND® STAR RATINGS

BANK 21

ONE WEST WASHINGTON
BLUE SPRINGS, Missouri 64014

STAR RATING: 4 starstarstarstar G
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 634544




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$89,042$89,229$57,183
Loans Receivable, Net66,39454,55629,844
Mortgage-Backed Securities5,8826068
Investments10,05426,65913,865
Deposits80,08480,47451,438
Borrowings1,1002460
Equity7,6768,3195,610
Net Interest Income2,2692,0411,834
Fee Income167293256
Overhead2,0552,2571,965
Net Operating Income692368380
Net Income692368380
Ratio Analysis Profitability%%%
Return on Assets *0.950.530.69
Operating Return on Assets *0.950.530.69
Return on Equity *10.735.867.02
Net Interest Margin *3.813.303.63
Fee Income / Assets *0.310.420.46
Overhead / Assets *3.283.273.57
Efficiency Ratio73.3985.5682.60
Asset Quality%%%
Nonperforming Assets / Assets0.010.130.00
Nonperforming Assets / Equity & Loss Reserves0.151.260.00
Loss Reserves / Nonperforming Loansn/a779.81n/a
1-4 Fam Mtg + MBS / Assets35.8321.9420.37
Commercial Real Estate Loans / Assets8.086.818.37
Construction Loans / Assets5.111.611.59
Commercial & Industrial Loans / Assets14.4213.3212.23
Consumer Loans / Assets1.791.491.55
Capitalization%%%
Equity / Assets8.629.329.81
Tangible Capital / Tangible Assets8.268.939.81
Risk-based Capital Ratio12.6815.4017.48
Liquidity%%%
Loans / Deposits82.9167.7958.02
Non-Interest Bearing Deposits / Deposits24.1522.0521.64
Purchased Liabilities5.051.892.56

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