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, 2013
Federal Reserve System Identifier 332756




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$47,348$44,652$38,388
Loans Receivable, Net28,70726,82623,637
Mortgage-Backed Securities000
Investments11,91012,85910,471
Deposits33,67632,70428,726
Borrowings6,0003,6001,900
Equity7,6128,2927,707
Net Interest Income1,5171,5061,430
Fee Income989588
Overhead1,0541,005966
Net Operating Income627675644
Net Income611660630
Ratio Analysis Profitability%%%
Return on Assets *1.331.551.62
Operating Return on Assets *1.361.591.65
Return on Equity *7.788.158.35
Net Interest Margin *3.493.703.92
Fee Income / Assets *0.210.220.23
Overhead / Assets *2.292.362.49
Efficiency Ratio62.9659.8260.49
Asset Quality%%%
Nonperforming Assets / Assets0.000.010.00
Nonperforming Assets / Equity & Loss Reserves0.010.060.00
Loss Reserves / Nonperforming Loans19900.003780.000.82
1-4 Fam Mtg + MBS / Assets15.5317.2718.25
Commercial Real Estate Loans / Assets0.870.561.21
Construction Loans / Assets0.000.330.03
Commercial & Industrial Loans / Assets4.595.373.72
Consumer Loans / Assets4.454.934.81
Capitalization%%%
Equity / Assets16.0818.5720.08
Tangible Capital / Tangible Assets16.0818.5720.08
Risk-based Capital Ratio25.9126.3326.38
Liquidity%%%
Loans / Deposits85.2482.0382.28
Non-Interest Bearing Deposits / Deposits16.7315.7215.29
Purchased Liabilities16.1011.0818.65

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