Safe & Sound » Bank Ratings » ADRIAN STATE BANK


SAFE & SOUND® STAR RATINGS

ADRIAN STATE BANK

322 MAINE AVENUE
ADRIAN, Minnesota 56110

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 293352




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$43,040$47,104$43,343
Loans Receivable, Net26,85426,97622,741
Mortgage-Backed Securities3,9584,0884,450
Investments7,3396,5766,922
Deposits38,56740,82238,527
Borrowings2502,2121,009
Equity4,1093,9823,704
Net Interest Income1,0811,3681,265
Fee Income283945
Overhead700973950
Net Operating Income437508295
Net Income437508295
Ratio Analysis Profitability%%%
Return on Assets *1.211.170.72
Operating Return on Assets *1.211.170.72
Return on Equity *13.3513.067.98
Net Interest Margin *3.333.233.16
Fee Income / Assets *0.080.090.11
Overhead / Assets *2.232.242.32
Efficiency Ratio60.8765.7076.31
Asset Quality%%%
Nonperforming Assets / Assets0.140.510.29
Nonperforming Assets / Equity & Loss Reserves1.385.663.15
Loss Reserves / Nonperforming Loans380.00100.00673.53
1-4 Fam Mtg + MBS / Assets12.2711.6513.62
Commercial Real Estate Loans / Assets5.285.234.75
Construction Loans / Assets0.730.000.00
Commercial & Industrial Loans / Assets5.615.424.27
Consumer Loans / Assets1.831.101.21
Capitalization%%%
Equity / Assets9.558.458.55
Tangible Capital / Tangible Assets9.558.458.55
Risk-based Capital Ratio13.8313.0514.29
Liquidity%%%
Loans / Deposits69.6366.0859.03
Non-Interest Bearing Deposits / Deposits18.6421.8823.73
Purchased Liabilities1.826.082.33

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

Connect with us