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SAFE & SOUND® STAR RATINGS

BANK OF BENNINGTON

12212 NORTH 156 STREET
BENNINGTON, Nebraska 68007

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 348159




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$79,232$72,892$65,770
Loans Receivable, Net61,86348,15741,463
Mortgage-Backed Securities6591,0881,851
Investments5,6434,0461,849
Deposits65,06966,01158,513
Borrowings3,05380107
Equity10,6096,4106,759
Net Interest Income2,9292,2922,388
Fee Income403528406
Overhead2,8652,7102,690
Net Operating Income9685821,490
Net Income7164511,045
Ratio Analysis Profitability%%%
Return on Assets *0.930.651.62
Operating Return on Assets *1.260.842.31
Return on Equity *7.977.1916.36
Net Interest Margin *4.093.554.07
Fee Income / Assets *0.520.760.63
Overhead / Assets *3.713.894.18
Efficiency Ratio73.1279.3163.25
Asset Quality%%%
Nonperforming Assets / Assets0.871.921.20
Nonperforming Assets / Equity & Loss Reserves6.0619.9310.67
Loss Reserves / Nonperforming Loans109.1644.1893.51
1-4 Fam Mtg + MBS / Assets23.1021.8024.02
Commercial Real Estate Loans / Assets19.6316.2215.40
Construction Loans / Assets9.236.786.28
Commercial & Industrial Loans / Assets21.0816.2513.72
Consumer Loans / Assets2.521.481.31
Capitalization%%%
Equity / Assets13.398.7910.28
Tangible Capital / Tangible Assets12.597.939.70
Risk-based Capital Ratio14.7311.3614.88
Liquidity%%%
Loans / Deposits95.0772.9570.86
Non-Interest Bearing Deposits / Deposits22.7520.1920.09
Purchased Liabilities5.400.430.81

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