SAFE & SOUND® STAR RATINGS

Financial statement

ADAMS STATE BANK
649 MAIN
ADAMS, Nebraska 68301

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 332756




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$47,803$47,348$44,652
Loans Receivable, Net27,44728,70726,826
Mortgage-Backed Securities000
Investments12,94611,91012,859
Deposits36,45533,67632,704
Borrowings3,3006,0003,600
Equity8,0007,6128,292
Net Interest Income3851,5171,506
Fee Income229895
Overhead2371,0541,005
Net Operating Income202627675
Net Income198611660
Ratio Analysis Profitability%%%
Return on Assets *1.381.331.55
Operating Return on Assets *1.411.361.59
Return on Equity *8.317.788.15
Net Interest Margin *3.553.493.70
Fee Income / Assets *0.210.210.22
Overhead / Assets *2.292.292.36
Efficiency Ratio53.9962.9659.82
Asset Quality%%%
Nonperforming Assets / Assets0.020.000.01
Nonperforming Assets / Equity & Loss Reserves0.100.010.06
Loss Reserves / Nonperforming Loans2512.5019900.003780.00
1-4 Fam Mtg + MBS / Assets15.0415.5317.27
Commercial Real Estate Loans / Assets1.560.870.56
Construction Loans / Assets0.000.000.33
Commercial & Industrial Loans / Assets4.134.595.37
Consumer Loans / Assets4.424.454.93
Capitalization%%%
Equity / Assets16.7416.0818.57
Tangible Capital / Tangible Assets16.7416.0818.57
Risk-based Capital Ratio26.8325.9126.33
Liquidity%%%
Loans / Deposits75.2985.2482.03
Non-Interest Bearing Deposits / Deposits18.7816.7315.72
Purchased Liabilities10.3216.1011.08

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