Safe & Sound » Bank Ratings » AMERICAN BANK OF SIDNEY, NEBRASKA, THE


SAFE & SOUND® STAR RATINGS

AMERICAN BANK OF SIDNEY, NEBRASKA, THE

901 10TH
SIDNEY, Nebraska 69162

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 718556




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$82,222$87,008$85,383
Loans Receivable, Net36,60437,13332,673
Mortgage-Backed Securities000
Investments26,32227,22031,009
Deposits65,05966,28165,607
Borrowings7,53511,26110,874
Equity9,5449,3648,791
Net Interest Income6122,3332,180
Fee Income30129138
Overhead5001,9891,908
Net Operating Income158572535
Net Income151554517
Ratio Analysis Profitability%%%
Return on Assets *0.740.660.60
Operating Return on Assets *0.760.680.62
Return on Equity *6.686.066.06
Net Interest Margin *3.032.902.62
Fee Income / Assets *0.150.150.16
Overhead / Assets *2.362.362.20
Efficiency Ratio74.2976.5677.72
Asset Quality%%%
Nonperforming Assets / Assets0.020.030.05
Nonperforming Assets / Equity & Loss Reserves0.170.250.43
Loss Reserves / Nonperforming Loans2205.881500.00846.15
1-4 Fam Mtg + MBS / Assets4.834.443.92
Commercial Real Estate Loans / Assets4.255.043.50
Construction Loans / Assets0.980.781.54
Commercial & Industrial Loans / Assets6.566.175.78
Consumer Loans / Assets14.2112.0910.51
Capitalization%%%
Equity / Assets11.6110.7610.30
Tangible Capital / Tangible Assets11.6110.7610.30
Risk-based Capital Ratio22.2821.0521.51
Liquidity%%%
Loans / Deposits56.2656.0249.80
Non-Interest Bearing Deposits / Deposits26.9427.7827.74
Purchased Liabilities11.9615.5916.56

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