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SAFE & SOUND® STAR RATINGS

BANK OF BENNINGTON

12212 NORTH 156 STREET
BENNINGTON, Nebraska 68007

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of December 31, 2015
Federal Reserve System Identifier 348159




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$82,944$79,232$72,892
Loans Receivable, Net72,21561,86348,157
Mortgage-Backed Securities06591,088
Investments5,1115,6434,046
Deposits65,58365,06966,011
Borrowings5,1273,05380
Equity11,69710,6096,410
Net Interest Income3,5892,9292,292
Fee Income524403528
Overhead2,9592,8652,710
Net Operating Income1,534968582
Net Income1,079716451
Ratio Analysis Profitability%%%
Return on Assets *1.300.930.65
Operating Return on Assets *1.841.260.84
Return on Equity *9.567.977.19
Net Interest Margin *4.554.093.55
Fee Income / Assets *0.630.520.76
Overhead / Assets *3.563.713.89
Efficiency Ratio62.1673.1279.31
Asset Quality%%%
Nonperforming Assets / Assets0.800.871.92
Nonperforming Assets / Equity & Loss Reserves5.226.0619.93
Loss Reserves / Nonperforming Loans150.53109.1644.18
1-4 Fam Mtg + MBS / Assets24.6823.1021.80
Commercial Real Estate Loans / Assets20.2919.6316.22
Construction Loans / Assets10.219.236.78
Commercial & Industrial Loans / Assets26.0821.0816.25
Consumer Loans / Assets4.052.521.48
Capitalization%%%
Equity / Assets14.1013.398.79
Tangible Capital / Tangible Assets13.2312.597.93
Risk-based Capital Ratio12.7214.7311.36
Liquidity%%%
Loans / Deposits110.1195.0772.95
Non-Interest Bearing Deposits / Deposits23.9322.7520.19
Purchased Liabilities7.735.400.43

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