SAFE & SOUND® STAR RATINGS

Financial statement

ADAMS STATE BANK
649 MAIN
ADAMS, Nebraska 68301

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 332756




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$47,856$47,348$44,652
Loans Receivable, Net28,93228,70726,826
Mortgage-Backed Securities000
Investments12,75611,91012,859
Deposits35,55433,67632,704
Borrowings4,0006,0003,600
Equity8,2547,6128,292
Net Interest Income7791,5171,506
Fee Income469895
Overhead4751,0541,005
Net Operating Income400627675
Net Income392611660
Ratio Analysis Profitability%%%
Return on Assets *1.361.331.55
Operating Return on Assets *1.401.361.59
Return on Equity *8.167.788.15
Net Interest Margin *3.513.493.70
Fee Income / Assets *0.210.210.22
Overhead / Assets *2.272.292.36
Efficiency Ratio54.2962.9659.82
Asset Quality%%%
Nonperforming Assets / Assets0.010.000.01
Nonperforming Assets / Equity & Loss Reserves0.080.010.06
Loss Reserves / Nonperforming Loans2900.0019900.003780.00
1-4 Fam Mtg + MBS / Assets14.6715.5317.27
Commercial Real Estate Loans / Assets1.520.870.56
Construction Loans / Assets0.110.000.33
Commercial & Industrial Loans / Assets3.884.595.37
Consumer Loans / Assets4.674.454.93
Capitalization%%%
Equity / Assets17.2516.0818.57
Tangible Capital / Tangible Assets17.2516.0818.57
Risk-based Capital Ratio25.9825.9126.33
Liquidity%%%
Loans / Deposits81.3785.2482.03
Non-Interest Bearing Deposits / Deposits17.5316.7315.72
Purchased Liabilities11.7816.1011.08

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