SAFE & SOUND® STAR RATINGS

Financial statement

ADRIAN STATE BANK
322 MAINE AVENUE
ADRIAN, Minnesota 56110

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 293352




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$43,343$41,702$37,427
Loans Receivable, Net22,74121,92120,737
Mortgage-Backed Securities4,4503,8084,562
Investments6,9226,1515,425
Deposits38,52737,68933,541
Borrowings1,00900
Equity3,7043,8543,741
Net Interest Income1,2651,2181,114
Fee Income455248
Overhead9501,0001,091
Net Operating Income295247163
Net Income295247163
Ratio Analysis Profitability%%%
Return on Assets *0.720.660.46
Operating Return on Assets *0.720.660.46
Return on Equity *7.986.464.51
Net Interest Margin *3.163.393.32
Fee Income / Assets *0.110.140.14
Overhead / Assets *2.322.683.11
Efficiency Ratio76.3178.3783.92
Asset Quality%%%
Nonperforming Assets / Assets0.290.861.68
Nonperforming Assets / Equity & Loss Reserves3.158.7716.02
Loss Reserves / Nonperforming Loans673.53561.540.86
1-4 Fam Mtg + MBS / Assets13.6213.2117.78
Commercial Real Estate Loans / Assets4.754.406.73
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.274.425.75
Consumer Loans / Assets1.211.221.14
Capitalization%%%
Equity / Assets8.559.2410.00
Tangible Capital / Tangible Assets8.559.2410.00
Risk-based Capital Ratio14.2914.4314.70
Liquidity%%%
Loans / Deposits59.0358.1661.83
Non-Interest Bearing Deposits / Deposits23.7322.2922.75
Purchased Liabilities2.330.687.82

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

Connect with us