SAFE & SOUND® STAR RATINGS

Financial statement

ADRIAN STATE BANK
322 MAINE AVENUE
ADRIAN, Minnesota 56110

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 293352




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$43,908$43,343$41,702
Loans Receivable, Net24,80822,74121,921
Mortgage-Backed Securities4,6004,4503,808
Investments6,9136,9226,151
Deposits37,94838,52737,689
Borrowings1,9381,0090
Equity3,9033,7043,854
Net Interest Income6731,2651,218
Fee Income194552
Overhead4599501,000
Net Operating Income282295247
Net Income282295247
Ratio Analysis Profitability%%%
Return on Assets *1.040.720.66
Operating Return on Assets *1.040.720.66
Return on Equity *11.677.986.46
Net Interest Margin *3.163.163.39
Fee Income / Assets *0.090.110.14
Overhead / Assets *2.262.322.68
Efficiency Ratio61.9476.3178.37
Asset Quality%%%
Nonperforming Assets / Assets0.480.290.86
Nonperforming Assets / Equity & Loss Reserves5.053.158.77
Loss Reserves / Nonperforming Loans111.96673.53561.54
1-4 Fam Mtg + MBS / Assets13.6913.6213.21
Commercial Real Estate Loans / Assets5.644.754.40
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.274.274.42
Consumer Loans / Assets1.251.211.22
Capitalization%%%
Equity / Assets8.898.559.24
Tangible Capital / Tangible Assets8.898.559.24
Risk-based Capital Ratio13.7714.2914.43
Liquidity%%%
Loans / Deposits65.3759.0358.16
Non-Interest Bearing Deposits / Deposits18.4323.7322.29
Purchased Liabilities4.412.330.68

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