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SAFE & SOUND® STAR RATINGS

AMERICAN STATE BANK OF GRYGLA

102 SOUTH MAIN AVENUE
GRYGLA, Minnesota 56727

STAR RATING: 4 starstarstarstar G
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 21359




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$47,965$24,753$26,652
Loans Receivable, Net26,12116,17716,020
Mortgage-Backed Securities1,5431,5471,707
Investments8,9724,2154,379
Deposits42,60621,82723,590
Borrowings183222261
Equity5,1102,6682,769
Net Interest Income1,130875887
Fee Income420373387
Overhead1,305894881
Net Operating Income375380406
Net Income374380406
Ratio Analysis Profitability%%%
Return on Assets *1.091.481.57
Operating Return on Assets *1.091.481.57
Return on Equity *9.7914.1514.82
Net Interest Margin *3.173.713.71
Fee Income / Assets *1.221.451.50
Overhead / Assets *3.803.483.40
Efficiency Ratio75.4370.1768.45
Asset Quality%%%
Nonperforming Assets / Assets0.410.150.21
Nonperforming Assets / Equity & Loss Reserves3.651.331.92
Loss Reserves / Nonperforming Loans610.536066.671116.67
1-4 Fam Mtg + MBS / Assets18.6625.4622.91
Commercial Real Estate Loans / Assets8.877.204.23
Construction Loans / Assets0.690.000.00
Commercial & Industrial Loans / Assets4.826.317.79
Consumer Loans / Assets5.355.405.13
Capitalization%%%
Equity / Assets10.6510.7810.39
Tangible Capital / Tangible Assets9.9710.7810.39
Risk-based Capital Ratio19.0018.1618.22
Liquidity%%%
Loans / Deposits61.3174.1167.91
Non-Interest Bearing Deposits / Deposits24.1517.5015.51
Purchased Liabilities1.902.712.10

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