SAFE & SOUND® STAR RATINGS

Financial statement

ADAMS STATE BANK
649 MAIN
ADAMS, Nebraska 68301

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




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$47,354$47,348$44,652
Loans Receivable, Net28,47128,70726,826
Mortgage-Backed Securities000
Investments13,37611,91012,859
Deposits34,97733,67632,704
Borrowings3,8006,0003,600
Equity8,5447,6128,292
Net Interest Income1,1791,5171,506
Fee Income749895
Overhead7041,0541,005
Net Operating Income617627675
Net Income605611660
Ratio Analysis Profitability%%%
Return on Assets *1.401.331.55
Operating Return on Assets *1.431.361.59
Return on Equity *8.037.788.15
Net Interest Margin *3.543.493.70
Fee Income / Assets *0.210.210.22
Overhead / Assets *2.292.292.36
Efficiency Ratio53.2962.9659.82
Asset Quality%%%
Nonperforming Assets / Assets0.010.000.01
Nonperforming Assets / Equity & Loss Reserves0.080.010.06
Loss Reserves / Nonperforming Loans2928.5719900.003780.00
1-4 Fam Mtg + MBS / Assets14.4815.5317.27
Commercial Real Estate Loans / Assets0.810.870.56
Construction Loans / Assets0.000.000.33
Commercial & Industrial Loans / Assets3.674.595.37
Consumer Loans / Assets4.694.454.93
Capitalization%%%
Equity / Assets18.0416.0818.57
Tangible Capital / Tangible Assets18.0416.0818.57
Risk-based Capital Ratio26.7725.9126.33
Liquidity%%%
Loans / Deposits81.4085.2482.03
Non-Interest Bearing Deposits / Deposits18.3816.7315.72
Purchased Liabilities11.5016.1011.08

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