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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, 2015
Federal Reserve System Identifier 332756




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$50,195$47,808$47,348
Loans Receivable, Net33,26730,30128,707
Mortgage-Backed Securities000
Investments11,07612,52511,910
Deposits34,92433,10133,676
Borrowings6,2006,0006,000
Equity9,0498,6857,612
Net Interest Income1,6021,5851,517
Fee Income919898
Overhead1,0181,0581,054
Net Operating Income734711627
Net Income718695611
Ratio Analysis Profitability%%%
Return on Assets *1.451.451.33
Operating Return on Assets *1.481.481.36
Return on Equity *8.038.307.78
Net Interest Margin *3.433.523.49
Fee Income / Assets *0.180.200.21
Overhead / Assets *2.052.202.29
Efficiency Ratio58.2759.8162.96
Asset Quality%%%
Nonperforming Assets / Assets0.100.010.00
Nonperforming Assets / Equity & Loss Reserves0.530.080.01
Loss Reserves / Nonperforming Loans444.902971.4319900.00
1-4 Fam Mtg + MBS / Assets14.3614.9315.53
Commercial Real Estate Loans / Assets0.600.730.87
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.653.934.59
Consumer Loans / Assets4.034.584.45
Capitalization%%%
Equity / Assets18.0318.1716.08
Tangible Capital / Tangible Assets18.0318.1716.08
Risk-based Capital Ratio24.6126.4825.91
Liquidity%%%
Loans / Deposits95.2691.5485.24
Non-Interest Bearing Deposits / Deposits18.2718.3016.73
Purchased Liabilities15.2414.5616.10

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