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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 December 31, 2015
Federal Reserve System Identifier 293352




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$46,206$47,104$43,343
Loans Receivable, Net29,97826,97622,741
Mortgage-Backed Securities3,6944,0884,450
Investments7,3096,5766,922
Deposits40,74640,82238,527
Borrowings1,2952,2121,009
Equity4,0833,9823,704
Net Interest Income1,4671,3681,265
Fee Income363945
Overhead1,003973950
Net Operating Income536508295
Net Income536508295
Ratio Analysis Profitability%%%
Return on Assets *1.221.170.72
Operating Return on Assets *1.221.170.72
Return on Equity *13.3413.067.98
Net Interest Margin *3.423.233.16
Fee Income / Assets *0.080.090.11
Overhead / Assets *2.292.242.32
Efficiency Ratio64.5065.7076.31
Asset Quality%%%
Nonperforming Assets / Assets0.050.510.29
Nonperforming Assets / Equity & Loss Reserves0.565.663.15
Loss Reserves / Nonperforming Loans970.83100.00673.53
1-4 Fam Mtg + MBS / Assets10.7611.6513.62
Commercial Real Estate Loans / Assets4.955.234.75
Construction Loans / Assets1.160.000.00
Commercial & Industrial Loans / Assets4.825.424.27
Consumer Loans / Assets1.811.101.21
Capitalization%%%
Equity / Assets8.848.458.55
Tangible Capital / Tangible Assets8.848.458.55
Risk-based Capital Ratio12.8213.0514.29
Liquidity%%%
Loans / Deposits73.5766.0859.03
Non-Interest Bearing Deposits / Deposits23.9721.8823.73
Purchased Liabilities3.276.082.33

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