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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 December 31, 2014
Federal Reserve System Identifier 634544




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$88,731$89,229$57,183
Loans Receivable, Net67,37154,55629,844
Mortgage-Backed Securities4,9146068
Investments7,99026,65913,865
Deposits79,57580,47451,438
Borrowings1,1002460
Equity7,8608,3195,610
Net Interest Income3,0702,0411,834
Fee Income227293256
Overhead2,7412,2571,965
Net Operating Income922368380
Net Income922368380
Ratio Analysis Profitability%%%
Return on Assets *1.040.530.69
Operating Return on Assets *1.040.530.69
Return on Equity *12.035.867.02
Net Interest Margin *3.713.303.63
Fee Income / Assets *0.260.420.46
Overhead / Assets *3.103.273.57
Efficiency Ratio72.8285.5682.60
Asset Quality%%%
Nonperforming Assets / Assets0.250.130.00
Nonperforming Assets / Equity & Loss Reserves2.521.260.00
Loss Reserves / Nonperforming Loans414.48779.81n/a
1-4 Fam Mtg + MBS / Assets36.1121.9420.37
Commercial Real Estate Loans / Assets7.516.818.37
Construction Loans / Assets6.441.611.59
Commercial & Industrial Loans / Assets14.6613.3212.23
Consumer Loans / Assets1.631.491.55
Capitalization%%%
Equity / Assets8.869.329.81
Tangible Capital / Tangible Assets8.518.939.81
Risk-based Capital Ratio12.8815.4017.48
Liquidity%%%
Loans / Deposits84.6667.7958.02
Non-Interest Bearing Deposits / Deposits24.7322.0521.64
Purchased Liabilities4.631.892.56

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