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SAFE & SOUND® STAR RATINGS

ADAMS STATE BANK

649 MAIN
ADAMS, Nebraska 68301

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 332756




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$50,225$50,195$47,808
Loans Receivable, Net32,22133,26730,301
Mortgage-Backed Securities000
Investments9,90511,07612,525
Deposits35,47234,92433,101
Borrowings5,4006,2006,000
Equity9,3299,0498,685
Net Interest Income4121,6021,585
Fee Income229198
Overhead2471,0181,058
Net Operating Income207734711
Net Income203718695
Ratio Analysis Profitability%%%
Return on Assets *1.441.451.45
Operating Return on Assets *1.471.481.48
Return on Equity *7.958.038.30
Net Interest Margin *3.473.433.52
Fee Income / Assets *0.190.180.20
Overhead / Assets *2.112.052.20
Efficiency Ratio55.2658.2759.81
Asset Quality%%%
Nonperforming Assets / Assets0.100.100.01
Nonperforming Assets / Equity & Loss Reserves0.510.530.08
Loss Reserves / Nonperforming Loans465.31444.902971.43
1-4 Fam Mtg + MBS / Assets14.7814.3614.93
Commercial Real Estate Loans / Assets0.550.600.73
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.265.653.93
Consumer Loans / Assets3.974.034.58
Capitalization%%%
Equity / Assets18.5718.0318.17
Tangible Capital / Tangible Assets18.5718.0318.17
Risk-based Capital Ratio29.7824.6126.48
Liquidity%%%
Loans / Deposits90.8495.2691.54
Non-Interest Bearing Deposits / Deposits17.9318.2718.30
Purchased Liabilities13.6415.2414.56

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