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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 September 30, 2014
Federal Reserve System Identifier 293352




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$41,850$43,343$41,702
Loans Receivable, Net24,88522,74121,921
Mortgage-Backed Securities4,3264,4503,808
Investments6,6086,9226,151
Deposits35,69438,52737,689
Borrowings2,0931,0090
Equity3,9443,7043,854
Net Interest Income1,0151,2651,218
Fee Income304552
Overhead6969501,000
Net Operating Income412295247
Net Income412295247
Ratio Analysis Profitability%%%
Return on Assets *1.140.720.66
Operating Return on Assets *1.140.720.66
Return on Equity *12.627.986.46
Net Interest Margin *3.263.163.39
Fee Income / Assets *0.090.110.14
Overhead / Assets *2.252.322.68
Efficiency Ratio62.8276.3178.37
Asset Quality%%%
Nonperforming Assets / Assets0.600.290.86
Nonperforming Assets / Equity & Loss Reserves6.033.158.77
Loss Reserves / Nonperforming Loans93.65673.53561.54
1-4 Fam Mtg + MBS / Assets13.7413.6213.21
Commercial Real Estate Loans / Assets4.824.754.40
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.104.274.42
Consumer Loans / Assets1.231.211.22
Capitalization%%%
Equity / Assets9.428.559.24
Tangible Capital / Tangible Assets9.428.559.24
Risk-based Capital Ratio14.1214.2914.43
Liquidity%%%
Loans / Deposits69.7259.0358.16
Non-Interest Bearing Deposits / Deposits18.8323.7322.29
Purchased Liabilities5.002.330.68

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