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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 March 31, 2015
Federal Reserve System Identifier 332756




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$48,611$47,808$47,348
Loans Receivable, Net28,56030,30128,707
Mortgage-Backed Securities000
Investments12,32512,52511,910
Deposits35,59933,10133,676
Borrowings4,1006,0006,000
Equity8,8878,6857,612
Net Interest Income3821,5851,517
Fee Income209898
Overhead2141,0581,054
Net Operating Income205711627
Net Income201695611
Ratio Analysis Profitability%%%
Return on Assets *1.451.451.33
Operating Return on Assets *1.491.481.36
Return on Equity *8.128.307.78
Net Interest Margin *3.493.523.49
Fee Income / Assets *0.200.200.21
Overhead / Assets *2.152.202.29
Efficiency Ratio51.0759.8162.96
Asset Quality%%%
Nonperforming Assets / Assets0.100.010.00
Nonperforming Assets / Equity & Loss Reserves0.540.080.01
Loss Reserves / Nonperforming Loans430.612971.4319900.00
1-4 Fam Mtg + MBS / Assets14.7114.9315.53
Commercial Real Estate Loans / Assets0.650.730.87
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.583.934.59
Consumer Loans / Assets4.054.584.45
Capitalization%%%
Equity / Assets18.2818.1716.08
Tangible Capital / Tangible Assets18.2818.1716.08
Risk-based Capital Ratio29.2326.4825.91
Liquidity%%%
Loans / Deposits80.2391.5485.24
Non-Interest Bearing Deposits / Deposits19.3918.3016.73
Purchased Liabilities11.8514.5616.10

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