Follow Us: Google+
 
Bankrate.com



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, 2012
Federal Reserve System Identifier 293352




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$41,702$37,427$36,490
Loans Receivable, Net21,92120,73718,747
Mortgage-Backed Securities3,8084,5624,286
Investments6,1515,4254,464
Deposits37,68933,54132,930
Borrowings000
Equity3,8543,7413,343
Net Interest Income1,2181,1141,113
Fee Income524845
Overhead1,0001,0911,088
Net Operating Income247163270
Net Income247163270
Ratio Analysis Profitability%%%
Return on Assets *0.660.460.84
Operating Return on Assets *0.660.460.84
Return on Equity *6.464.518.16
Net Interest Margin *3.393.323.67
Fee Income / Assets *0.140.140.14
Overhead / Assets *2.683.113.42
Efficiency Ratio78.3783.9276.73
Asset Quality%%%
Nonperforming Assets / Assets0.861.681.97
Nonperforming Assets / Equity & Loss Reserves8.7716.0220.60
Loss Reserves / Nonperforming Loans561.540.860.76
1-4 Fam Mtg + MBS / Assets13.2117.7817.85
Commercial Real Estate Loans / Assets4.406.737.43
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.425.755.87
Consumer Loans / Assets1.221.141.28
Capitalization%%%
Equity / Assets9.2410.009.16
Tangible Capital / Tangible Assets9.2410.009.16
Risk-based Capital Ratio14.4314.7015.48
Liquidity%%%
Loans / Deposits58.1661.8356.93
Non-Interest Bearing Deposits / Deposits22.2922.7525.96
Purchased Liabilities0.687.828.54

* Calculations are based on the latest four quarters of income and expense.
Modify Search
            Connect with us
advertisement
Most Read
  1. Nick Nolte's house for sale
  2. Headlight requirements by state
  3. 8 eerie ghost towns
  4. 8 affordable, classic cars for retirees
  5. 7 sedans for the young at heart
  6. Social Security traps to avoid
  7. 7 Social Security benefits
  8. 10 cars for a midlife crisis
  9. 9 gas-only, fuel-efficient cars
  10. Top 10 states for foreclosure
CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.43%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
Don Taylorinvesting
When it comes to your investments, take time to understand that tricky lingo.
advertisement
Natural gas extracted from shale rock formations may be the future of energy in the U.S.
Partner Center
advertisement

Advertising Disclosure: Bankrate.com is an independent, advertising-supported comparison service. Bankrate may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.