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SAFE & SOUND® STAR RATINGS

ARLINGTON STATE BANK

230 WEST MAIN
ARLINGTON, Minnesota 55307

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 270353




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$59,660$58,294$54,332
Loans Receivable, Net21,12421,41121,046
Mortgage-Backed Securities7968611,252
Investments23,96222,81822,261
Deposits53,01051,74247,727
Borrowings000
Equity5,6505,7695,810
Net Interest Income4171,6101,607
Fee Income125157
Overhead3021,2461,212
Net Operating Income142594557
Net Income142594557
Ratio Analysis Profitability%%%
Return on Assets *0.891.031.00
Operating Return on Assets *0.891.031.00
Return on Equity *9.1010.279.49
Net Interest Margin *3.043.133.47
Fee Income / Assets *0.090.090.10
Overhead / Assets *2.122.172.19
Efficiency Ratio68.0267.7268.51
Asset Quality%%%
Nonperforming Assets / Assets0.020.000.68
Nonperforming Assets / Equity & Loss Reserves0.170.005.99
Loss Reserves / Nonperforming Loans4040.00n/a282.52
1-4 Fam Mtg + MBS / Assets4.885.227.02
Commercial Real Estate Loans / Assets6.246.405.62
Construction Loans / Assets0.791.302.22
Commercial & Industrial Loans / Assets2.782.973.04
Consumer Loans / Assets1.471.491.65
Capitalization%%%
Equity / Assets9.479.9010.69
Tangible Capital / Tangible Assets9.479.9010.69
Risk-based Capital Ratio21.0122.4021.94
Liquidity%%%
Loans / Deposits39.8541.3844.10
Non-Interest Bearing Deposits / Deposits16.5216.3819.25
Purchased Liabilities0.840.860.92

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