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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 December 31, 2014
Federal Reserve System Identifier 332756




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$47,808$47,348$44,652
Loans Receivable, Net30,30128,70726,826
Mortgage-Backed Securities000
Investments12,52511,91012,859
Deposits33,10133,67632,704
Borrowings6,0006,0003,600
Equity8,6857,6128,292
Net Interest Income1,5851,5171,506
Fee Income989895
Overhead1,0581,0541,005
Net Operating Income711627675
Net Income695611660
Ratio Analysis Profitability%%%
Return on Assets *1.451.331.55
Operating Return on Assets *1.481.361.59
Return on Equity *8.307.788.15
Net Interest Margin *3.523.493.70
Fee Income / Assets *0.200.210.22
Overhead / Assets *2.202.292.36
Efficiency Ratio59.8162.9659.82
Asset Quality%%%
Nonperforming Assets / Assets0.010.000.01
Nonperforming Assets / Equity & Loss Reserves0.080.010.06
Loss Reserves / Nonperforming Loans2971.4319900.003780.00
1-4 Fam Mtg + MBS / Assets14.9315.5317.27
Commercial Real Estate Loans / Assets0.730.870.56
Construction Loans / Assets0.000.000.33
Commercial & Industrial Loans / Assets3.934.595.37
Consumer Loans / Assets4.584.454.93
Capitalization%%%
Equity / Assets18.1716.0818.57
Tangible Capital / Tangible Assets18.1716.0818.57
Risk-based Capital Ratio26.4825.9126.33
Liquidity%%%
Loans / Deposits91.5485.2482.03
Non-Interest Bearing Deposits / Deposits18.3016.7315.72
Purchased Liabilities14.5616.1011.08

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