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SAFE & SOUND® STAR RATINGS

Financial statement

ADAMS STATE BANK
649 MAIN
ADAMS, Nebraska 68301

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 332756




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$44,652$38,388$36,610
Loans Receivable, Net26,82623,63719,311
Mortgage-Backed Securities000
Investments12,85910,47113,996
Deposits32,70428,72628,031
Borrowings3,6001,9001,500
Equity8,2927,7077,003
Net Interest Income1,5061,4301,381
Fee Income9588100
Overhead1,0059661,037
Net Operating Income675644464
Net Income660630452
Ratio Analysis Profitability%%%
Return on Assets *1.551.621.25
Operating Return on Assets *1.591.651.28
Return on Equity *8.158.356.31
Net Interest Margin *3.703.924.11
Fee Income / Assets *0.220.230.28
Overhead / Assets *2.362.492.88
Efficiency Ratio59.8260.4968.09
Asset Quality%%%
Nonperforming Assets / Assets0.010.000.00
Nonperforming Assets / Equity & Loss Reserves0.060.000.01
Loss Reserves / Nonperforming Loans3780.000.820.96
1-4 Fam Mtg + MBS / Assets17.2718.2515.16
Commercial Real Estate Loans / Assets0.561.210.94
Construction Loans / Assets0.330.030.25
Commercial & Industrial Loans / Assets5.373.722.94
Consumer Loans / Assets4.934.814.87
Capitalization%%%
Equity / Assets18.5720.0819.13
Tangible Capital / Tangible Assets18.5720.0819.13
Risk-based Capital Ratio26.3326.3828.61
Liquidity%%%
Loans / Deposits82.0382.2868.89
Non-Interest Bearing Deposits / Deposits15.7215.2915.43
Purchased Liabilities11.0818.6515.64

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.65% 0.65%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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