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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, 2014
Federal Reserve System Identifier 293352




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$47,104$43,343$41,702
Loans Receivable, Net26,97622,74121,921
Mortgage-Backed Securities4,0884,4503,808
Investments6,5766,9226,151
Deposits40,82238,52737,689
Borrowings2,2121,0090
Equity3,9823,7043,854
Net Interest Income1,3681,2651,218
Fee Income394552
Overhead9739501,000
Net Operating Income508295247
Net Income508295247
Ratio Analysis Profitability%%%
Return on Assets *1.170.720.66
Operating Return on Assets *1.170.720.66
Return on Equity *13.067.986.46
Net Interest Margin *3.233.163.39
Fee Income / Assets *0.090.110.14
Overhead / Assets *2.242.322.68
Efficiency Ratio65.7076.3178.37
Asset Quality%%%
Nonperforming Assets / Assets0.510.290.86
Nonperforming Assets / Equity & Loss Reserves5.663.158.77
Loss Reserves / Nonperforming Loans100.00673.53561.54
1-4 Fam Mtg + MBS / Assets11.6513.6213.21
Commercial Real Estate Loans / Assets5.234.754.40
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.424.274.42
Consumer Loans / Assets1.101.211.22
Capitalization%%%
Equity / Assets8.458.559.24
Tangible Capital / Tangible Assets8.458.559.24
Risk-based Capital Ratio13.0514.2914.43
Liquidity%%%
Loans / Deposits66.0859.0358.16
Non-Interest Bearing Deposits / Deposits21.8823.7322.29
Purchased Liabilities6.082.330.68

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