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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 September 30, 2015
Federal Reserve System Identifier 332756




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$49,659$47,808$47,348
Loans Receivable, Net30,65830,30128,707
Mortgage-Backed Securities000
Investments11,38712,52511,910
Deposits35,57533,10133,676
Borrowings5,1006,0006,000
Equity8,9508,6857,612
Net Interest Income1,1811,5851,517
Fee Income689898
Overhead6691,0581,054
Net Operating Income624711627
Net Income612695611
Ratio Analysis Profitability%%%
Return on Assets *1.431.451.33
Operating Return on Assets *1.461.481.36
Return on Equity *7.938.307.78
Net Interest Margin *3.443.523.49
Fee Income / Assets *0.190.200.21
Overhead / Assets *2.082.202.29
Efficiency Ratio51.9859.8162.96
Asset Quality%%%
Nonperforming Assets / Assets0.130.010.00
Nonperforming Assets / Equity & Loss Reserves0.690.080.01
Loss Reserves / Nonperforming Loans342.862971.4319900.00
1-4 Fam Mtg + MBS / Assets13.7414.9315.53
Commercial Real Estate Loans / Assets0.610.730.87
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.883.934.59
Consumer Loans / Assets4.004.584.45
Capitalization%%%
Equity / Assets18.0218.1716.08
Tangible Capital / Tangible Assets18.0218.1716.08
Risk-based Capital Ratio26.4926.4825.91
Liquidity%%%
Loans / Deposits86.1891.5485.24
Non-Interest Bearing Deposits / Deposits19.2918.3016.73
Purchased Liabilities13.1214.5616.10

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