SAFE & SOUND® STAR RATINGS

Financial statement

ADRIAN STATE BANK
322 MAINE AVENUE
ADRIAN, Minnesota 56110

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 293352




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$43,255$43,343$41,702
Loans Receivable, Net23,78022,74121,921
Mortgage-Backed Securities4,2524,4503,808
Investments6,3056,9226,151
Deposits37,47338,52737,689
Borrowings1,9471,0090
Equity3,7263,7043,854
Net Interest Income3221,2651,218
Fee Income84552
Overhead2309501,000
Net Operating Income110295247
Net Income110295247
Ratio Analysis Profitability%%%
Return on Assets *0.800.720.66
Operating Return on Assets *0.800.720.66
Return on Equity *8.967.986.46
Net Interest Margin *3.143.163.39
Fee Income / Assets *0.100.110.14
Overhead / Assets *2.302.322.68
Efficiency Ratio67.6576.3178.37
Asset Quality%%%
Nonperforming Assets / Assets0.260.290.86
Nonperforming Assets / Equity & Loss Reserves2.863.158.77
Loss Reserves / Nonperforming Loans679.41673.53561.54
1-4 Fam Mtg + MBS / Assets13.1313.6213.21
Commercial Real Estate Loans / Assets4.894.754.40
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.154.274.42
Consumer Loans / Assets1.151.211.22
Capitalization%%%
Equity / Assets8.618.559.24
Tangible Capital / Tangible Assets8.618.559.24
Risk-based Capital Ratio13.8714.2914.43
Liquidity%%%
Loans / Deposits63.4659.0358.16
Non-Interest Bearing Deposits / Deposits20.8523.7322.29
Purchased Liabilities4.502.330.68

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