SAFE & SOUND® STAR RATINGS

Financial statement

ARLINGTON STATE BANK
230 WEST MAIN
ARLINGTON, Minnesota 55307

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 270353




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$55,843$53,538$54,928
Loans Receivable, Net21,14821,78722,898
Mortgage-Backed Securities1,4861,6912,155
Investments20,09321,80718,404
Deposits49,22246,89247,475
Borrowings00197
Equity5,8165,8306,412
Net Interest Income8091,6121,785
Fee Income316775
Overhead6071,2761,397
Net Operating Income277550574
Net Income277550574
Ratio Analysis Profitability%%%
Return on Assets *0.990.991.04
Operating Return on Assets *0.990.991.04
Return on Equity *9.299.189.17
Net Interest Margin *3.443.483.86
Fee Income / Assets *0.120.120.14
Overhead / Assets *2.222.302.54
Efficiency Ratio68.6771.9370.17
Asset Quality%%%
Nonperforming Assets / Assets0.420.472.18
Nonperforming Assets / Equity & Loss Reserves3.794.0617.61
Loss Reserves / Nonperforming Loans8120.002885.7161.75
1-4 Fam Mtg + MBS / Assets7.158.269.33
Commercial Real Estate Loans / Assets7.047.788.78
Construction Loans / Assets1.892.493.00
Commercial & Industrial Loans / Assets2.844.104.36
Consumer Loans / Assets1.481.721.66
Capitalization%%%
Equity / Assets10.4110.8911.67
Tangible Capital / Tangible Assets10.4110.8911.67
Risk-based Capital Ratio21.2221.7120.84
Liquidity%%%
Loans / Deposits42.9646.4648.23
Non-Interest Bearing Deposits / Deposits16.2515.8118.20
Purchased Liabilities0.900.931.86

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