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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 September 30, 2015
Federal Reserve System Identifier 348159




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$86,300$79,232$72,892
Loans Receivable, Net71,95461,86348,157
Mortgage-Backed Securities4306591,088
Investments5,3815,6434,046
Deposits71,45165,06966,011
Borrowings3,0263,05380
Equity11,40510,6096,410
Net Interest Income2,6422,9292,292
Fee Income232403528
Overhead2,1412,8652,710
Net Operating Income1,130968582
Net Income793716451
Ratio Analysis Profitability%%%
Return on Assets *1.340.930.65
Operating Return on Assets *1.891.260.84
Return on Equity *9.867.977.19
Net Interest Margin *4.454.093.55
Fee Income / Assets *0.550.520.76
Overhead / Assets *3.543.713.89
Efficiency Ratio63.5773.1279.31
Asset Quality%%%
Nonperforming Assets / Assets0.770.871.92
Nonperforming Assets / Equity & Loss Reserves5.446.0619.93
Loss Reserves / Nonperforming Loans126.84109.1644.18
1-4 Fam Mtg + MBS / Assets25.8423.1021.80
Commercial Real Estate Loans / Assets20.3519.6316.22
Construction Loans / Assets9.069.236.78
Commercial & Industrial Loans / Assets24.2421.0816.25
Consumer Loans / Assets2.682.521.48
Capitalization%%%
Equity / Assets13.2213.398.79
Tangible Capital / Tangible Assets12.5612.597.93
Risk-based Capital Ratio12.6414.7311.36
Liquidity%%%
Loans / Deposits100.7095.0772.95
Non-Interest Bearing Deposits / Deposits24.1122.7520.19
Purchased Liabilities9.795.400.43

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