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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 December 31, 2015
Federal Reserve System Identifier 270353




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$58,294$54,332$53,538
Loans Receivable, Net21,41121,04621,787
Mortgage-Backed Securities8611,2521,691
Investments22,81822,26121,807
Deposits51,74247,72746,892
Borrowings000
Equity5,7695,8105,830
Net Interest Income1,6101,6071,612
Fee Income515767
Overhead1,2461,2121,276
Net Operating Income594557550
Net Income594557550
Ratio Analysis Profitability%%%
Return on Assets *1.031.000.99
Operating Return on Assets *1.031.000.99
Return on Equity *10.279.499.18
Net Interest Margin *3.133.473.48
Fee Income / Assets *0.090.100.12
Overhead / Assets *2.172.192.30
Efficiency Ratio67.7268.5171.93
Asset Quality%%%
Nonperforming Assets / Assets0.000.680.47
Nonperforming Assets / Equity & Loss Reserves0.005.994.06
Loss Reserves / Nonperforming Loansn/a282.522885.71
1-4 Fam Mtg + MBS / Assets5.227.028.26
Commercial Real Estate Loans / Assets6.405.627.78
Construction Loans / Assets1.302.222.49
Commercial & Industrial Loans / Assets2.973.044.10
Consumer Loans / Assets1.491.651.72
Capitalization%%%
Equity / Assets9.9010.6910.89
Tangible Capital / Tangible Assets9.9010.6910.89
Risk-based Capital Ratio22.4021.9421.71
Liquidity%%%
Loans / Deposits41.3844.1046.46
Non-Interest Bearing Deposits / Deposits16.3819.2515.81
Purchased Liabilities0.860.920.93

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