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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 March 31, 2016
Federal Reserve System Identifier 348159




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$82,897$82,944$79,232
Loans Receivable, Net71,76172,21561,863
Mortgage-Backed Securities00659
Investments5,0915,1115,643
Deposits67,47565,58365,069
Borrowings3,0135,1273,053
Equity11,99811,69710,609
Net Interest Income9113,5892,929
Fee Income75524403
Overhead7502,9592,865
Net Operating Income4341,534968
Net Income3011,079716
Ratio Analysis Profitability%%%
Return on Assets *1.311.300.93
Operating Return on Assets *1.861.841.26
Return on Equity *9.529.567.97
Net Interest Margin *4.634.554.09
Fee Income / Assets *0.640.630.52
Overhead / Assets *3.573.563.71
Efficiency Ratio63.3462.1673.12
Asset Quality%%%
Nonperforming Assets / Assets0.900.800.87
Nonperforming Assets / Equity & Loss Reserves5.735.226.06
Loss Reserves / Nonperforming Loans135.44150.53109.16
1-4 Fam Mtg + MBS / Assets25.3924.6823.10
Commercial Real Estate Loans / Assets19.1520.2919.63
Construction Loans / Assets10.4610.219.23
Commercial & Industrial Loans / Assets24.4326.0821.08
Consumer Loans / Assets5.764.052.52
Capitalization%%%
Equity / Assets14.4714.1013.39
Tangible Capital / Tangible Assets13.6413.2312.59
Risk-based Capital Ratio13.1312.7214.73
Liquidity%%%
Loans / Deposits106.35110.1195.07
Non-Interest Bearing Deposits / Deposits21.3223.9322.75
Purchased Liabilities5.197.735.40

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