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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 March 31, 2015
Federal Reserve System Identifier 293352




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$44,649$47,104$43,343
Loans Receivable, Net24,12726,97622,741
Mortgage-Backed Securities5,1514,0884,450
Investments6,9716,5766,922
Deposits38,94040,82238,527
Borrowings1,6762,2121,009
Equity3,9303,9823,704
Net Interest Income3281,3681,265
Fee Income93945
Overhead236973950
Net Operating Income109508295
Net Income109508295
Ratio Analysis Profitability%%%
Return on Assets *1.151.170.72
Operating Return on Assets *1.151.170.72
Return on Equity *12.8713.067.98
Net Interest Margin *3.213.233.16
Fee Income / Assets *0.090.090.11
Overhead / Assets *2.222.242.32
Efficiency Ratio68.0165.7076.31
Asset Quality%%%
Nonperforming Assets / Assets0.540.510.29
Nonperforming Assets / Equity & Loss Reserves5.835.663.15
Loss Reserves / Nonperforming Loans97.94100.00673.53
1-4 Fam Mtg + MBS / Assets14.6211.6513.62
Commercial Real Estate Loans / Assets4.975.234.75
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.145.424.27
Consumer Loans / Assets1.051.101.21
Capitalization%%%
Equity / Assets8.808.458.55
Tangible Capital / Tangible Assets8.808.458.55
Risk-based Capital Ratio14.1813.0514.29
Liquidity%%%
Loans / Deposits61.9666.0859.03
Non-Interest Bearing Deposits / Deposits19.4621.8823.73
Purchased Liabilities4.456.082.33

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