SAFE & SOUND® STAR RATINGS

Financial statement

ARLINGTON STATE BANK
230 WEST MAIN
ARLINGTON, Minnesota 55307

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 270353




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$53,538$54,928$53,846
Loans Receivable, Net21,78722,89824,336
Mortgage-Backed Securities1,6912,1552,876
Investments21,80718,40417,033
Deposits46,89247,47546,801
Borrowings0197279
Equity5,8306,4125,881
Net Interest Income1,6121,7851,785
Fee Income677569
Overhead1,2761,3971,448
Net Operating Income550574406
Net Income550574406
Ratio Analysis Profitability%%%
Return on Assets *0.991.040.77
Operating Return on Assets *0.991.040.77
Return on Equity *9.189.177.22
Net Interest Margin *3.483.863.96
Fee Income / Assets *0.120.140.13
Overhead / Assets *2.302.542.75
Efficiency Ratio71.9370.1774.64
Asset Quality%%%
Nonperforming Assets / Assets0.472.181.83
Nonperforming Assets / Equity & Loss Reserves4.0617.6115.69
Loss Reserves / Nonperforming Loans2885.7161.751.58
1-4 Fam Mtg + MBS / Assets8.269.3311.88
Commercial Real Estate Loans / Assets7.788.7811.37
Construction Loans / Assets2.493.003.84
Commercial & Industrial Loans / Assets4.104.365.05
Consumer Loans / Assets1.721.661.61
Capitalization%%%
Equity / Assets10.8911.6710.92
Tangible Capital / Tangible Assets10.8911.6710.92
Risk-based Capital Ratio21.7120.8418.87
Liquidity%%%
Loans / Deposits46.4648.2352.00
Non-Interest Bearing Deposits / Deposits15.8118.2014.76
Purchased Liabilities0.931.869.77

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