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SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN STATE BANK OF GRYGLA
102 SOUTH MAIN
GRYGLA, Minnesota 56727

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 21359




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$26,652$23,787$23,887
Loans Receivable, Net16,02015,75116,225
Mortgage-Backed Securities1,7071,5631,098
Investments4,3793,6912,522
Deposits23,59020,77621,125
Borrowings261297327
Equity2,7692,6802,403
Net Interest Income887857865
Fee Income387351354
Overhead881823845
Net Operating Income406395274
Net Income406395274
Ratio Analysis Profitability%%%
Return on Assets *1.571.621.16
Operating Return on Assets *1.571.621.16
Return on Equity *14.8215.2111.52
Net Interest Margin *3.713.784.16
Fee Income / Assets *1.501.441.50
Overhead / Assets *3.403.383.59
Efficiency Ratio68.4567.1368.37
Asset Quality%%%
Nonperforming Assets / Assets0.210.321.60
Nonperforming Assets / Equity & Loss Reserves1.922.6714.75
Loss Reserves / Nonperforming Loans1116.671.281.15
1-4 Fam Mtg + MBS / Assets22.9123.5019.65
Commercial Real Estate Loans / Assets4.235.264.14
Construction Loans / Assets0.000.120.13
Commercial & Industrial Loans / Assets7.7910.6211.29
Consumer Loans / Assets5.136.037.27
Capitalization%%%
Equity / Assets10.3911.2710.06
Tangible Capital / Tangible Assets10.3911.2710.06
Risk-based Capital Ratio18.2216.9016.86
Liquidity%%%
Loans / Deposits67.9175.8176.80
Non-Interest Bearing Deposits / Deposits15.5112.3710.56
Purchased Liabilities2.1019.3421.66

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.43%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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