FDIC Certificate #: 58697 Status: Active Federal Reserve ID: 3603765 Date Established: January 03, 2008 WWW:http://www.adamsdairybank.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 18056 FDIC's unique #: 463177 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 03, 2008 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 651 Ne Coronado Drive, Blue Springs, MO 64014 County: Jackson Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760) Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312) Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140) CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $55.3 mil Equity capital: $7.1 mil Deposits held in domestic offices: $43.1 mil Return on assets (ROA): -0.39% (-$0.2 mil) Quarterly return on assets: 0.01% ($0.0 mil) Return on Equity (ROE): -2.85% (-$0.2 mil) Quarterly return on equity: 0.11% ($0.0 mil) Net income: -$0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: -0.61% (-$337.6 mil) Quarterly Pretax return on assets: 0.17% ($94.1 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
10Total employees (full-time equivalent)
$55,342Total assets
$9,135Cash and due from depository institutions
$7,480Interest-bearing balances
$3,906Securities
$0Federal funds sold & reverse repurchase agreements
$37,972Net loans & leases
$903Loan loss allowance
$0Trading account assets
$391Bank premises and fixed assets
$2,150Other real estate owned
$0Goodwill and other intangibles
$55,343Life insurance assets
$1,788All other assets
$48,210Total liabilities and capital
$43,125Total liabilities
$36,692Total deposits
$43,125Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,000Trading liabilities
$0Other borrowed funds
$85Subordinated debt
$7,133All other liabilities
$7,133Total equity capital
$7,133Total bank equity capital
$0Perpetual preferred stock
$4,000Common stock
$4,000Surplus
$-867Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$338Income earned, not collected on loans
$0Earning assets
$172Long-term assets (5+ years)
$49,358Average Assets, year-to-date
$19,325Average Assets, quarterly
$52,723Volatile liabilities
$55,201Insider loans
$34,692FHLB advances
$54,420Loans and leases held for sale
$502Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,687Tier 2 risk-based capital
$0Total risk weighted assets
$502Total unused commitments
$3,404Restructured Loans and leases
$3,040Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,570Total interest income
$566Total interest expense
$2,004Net interest income
$569Provision for loan and lease losses
$0Total noninterest income
$0Fiduciary activities
$49Service charges on deposit accounts
$0Trading account gains & fees
-$49Additional noninterest income
$1,757Total noninterest expense
$604Salaries and employee benefits
$330Premises and equipment expense
$823Additional noninterest expense
-$322Pre-tax net operating income
$0Securities gains (losses)
-$116Applicable income taxes
-$206Income before extraordinary items
$0Extraordinary gains - net
-$206Net income attributable to bank
$0Net charge-offs
-$206Cash dividends
$418Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.51%Yield on earning assets
1.21%Cost of funding earning assets
4.30%Net interest margin
0.00%Noninterest income to earning assets
3.77%Noninterest expense to earning assets
-0.39%Net operating income to assets
-0.39%Return on assets (ROA)
-0.61%Pretax return on assets
-2.85%Return on equity (ROE)
-2.85%Retained earnings to average equity (YTD only)
1.07%Net charge-offs to loans
136.12%Credit loss provision to net charge-offs
0.59%Efficiency ratio
87,675Assets per employee
5.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.32%Loss allowance to noncurrent loans
267.16%Noncurrent assets plus other real estate owned to assets
4.50%Noncurrent loans to loans
0.87%Net loans and leases to deposits
88.05%Net loans and leases to core deposits
93.15%Equity capital to assets
12.89%Core capital (leverage) ratio
12.29%Tier 1 risk-based capital ratio
19.28%Total risk-based capital ratio
Memoranda
$21Average assets
$52,723Average earning assets
$7,227Average equity
$46,636Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
463177
Adams Dairy Bank
651 Ne Coronado Drive, Blue Springs, MO 64014
January 03, 2008
Full Service Brick and Mortar
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