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Adams Dairy Bank

Blue Springs, MO · Cert 58697

FDIC · 1 branch

Q1 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Adams Dairy Bank

Blue Springs, MO · Cert 58697

FDIC · 1 branch

Q1 2018

$120.4MAssets
$92.1MLoans
$95.8MDeposits
$10.8MEquity
Loan mix
92%RE $57.4M7%C&I $4.1M1%Consumer $0.9MQ1 2017Q1 2018
Deposit mix
71%Interest-bearing $67.6M29%Noninterest $28.2MQ1 2017Q1 2018

NIM

3.91%Q1 ’163.93%Q1 ’174.30%Q1 ’18+0%+8%

Non-interest income vs. expense

2.46%Q1 ’162.81%Q1 ’172.30%Q1 ’18+9%-20%

Market Position · Kansas City, MO-KS · 2017 SOD (annual) · 0.2% share · #59 of 126 inst. · $0.1B of $55.7B

Executive Summary

  • Earnings: ROA of 1.29%, up 64 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.65% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.70%, down 130 bps from a year ago.
  • Funding: loans stand at 96.08% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

1.29%+64 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+28 bps YoY

Efficiency Ratio (YTD, annualized)

56.62%-1,653 bps YoY

Tier 1 Leverage Ratio

8.70%-130 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.64%0.84%0.85%0.75%1.29%+64 bps
Return on Equity6.75%9.06%9.15%8.12%14.15%+740 bps
Net Interest Margin3.30%3.15%3.18%3.27%3.58%+28 bps
Efficiency Ratio73.15%65.18%64.37%63.55%56.62%-1,653 bps
Non-Interest Burden2.27%1.87%1.87%1.90%1.82%-45 bps
Growth
Asset Growth (YoY)14.93%16.39%16.17%19.10%-5.49%-2,042 bps
Loan Growth (YoY)24.61%24.98%15.38%20.89%6.00%-1,861 bps
Deposit Growth (YoY)18.05%11.66%13.38%14.35%-4.77%-2,282 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.79%0.54%0.31%0.65%+3 bps
Net Charge-Offs / Loans0.00%0.00%0.22%0.17%0.00%0 bps
Allowance / Loans1.14%1.10%1.01%1.04%1.06%-8 bps
Allowance Coverage of NPLs1.8x1.4x1.9x3.3x1.6x-0.2x
Capital
Tier 1 Leverage Ratio10.00%9.25%9.17%9.33%8.70%-130 bps
Total Risk-Based Capital14.62%14.28%14.28%14.12%13.52%-110 bps
Equity / Assets8.87%8.76%9.23%9.21%8.96%+10 bps
Liquidity & Funding
Loans / Deposits86.31%87.49%88.83%95.86%96.08%+976 bps
Liquid Assets / Assets18.90%16.61%17.39%15.57%14.96%-394 bps
CRE / Total Capitaln/an/an/an/an/an/an/a