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SAFE & SOUND® STAR RATINGS

ADRIAN STATE BANK

322 MAINE AVENUE
ADRIAN, Minnesota 56110

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 293352




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$43,824$46,206$47,104
Loans Receivable, Net30,11229,97826,976
Mortgage-Backed Securities2,2063,6944,088
Investments5,0847,3096,576
Deposits39,16440,74640,822
Borrowings5001,2952,212
Equity4,0724,0833,982
Net Interest Income4061,4671,368
Fee Income83639
Overhead2411,003973
Net Operating Income169536508
Net Income169536508
Ratio Analysis Profitability%%%
Return on Assets *1.371.221.17
Operating Return on Assets *1.371.221.17
Return on Equity *14.7013.3413.06
Net Interest Margin *3.623.423.23
Fee Income / Assets *0.080.080.09
Overhead / Assets *2.322.292.24
Efficiency Ratio56.8464.5065.70
Asset Quality%%%
Nonperforming Assets / Assets0.050.050.51
Nonperforming Assets / Equity & Loss Reserves0.530.565.66
Loss Reserves / Nonperforming Loans1086.96970.83100.00
1-4 Fam Mtg + MBS / Assets8.1310.7611.65
Commercial Real Estate Loans / Assets4.994.955.23
Construction Loans / Assets0.531.160.00
Commercial & Industrial Loans / Assets5.584.825.42
Consumer Loans / Assets2.021.811.10
Capitalization%%%
Equity / Assets9.298.848.45
Tangible Capital / Tangible Assets9.298.848.45
Risk-based Capital Ratio12.6912.8213.05
Liquidity%%%
Loans / Deposits76.8973.5766.08
Non-Interest Bearing Deposits / Deposits21.1623.9721.88
Purchased Liabilities2.143.276.08

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