SAFE & SOUND® STAR RATINGS

Financial statement

ARLINGTON STATE BANK
230 WEST MAIN
ARLINGTON, Minnesota 55307

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 270353




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$56,704$53,538$54,928
Loans Receivable, Net21,27421,78722,898
Mortgage-Backed Securities1,5951,6912,155
Investments21,66121,80718,404
Deposits49,85046,89247,475
Borrowings00197
Equity6,0395,8306,412
Net Interest Income4001,6121,785
Fee Income156775
Overhead3141,2761,397
Net Operating Income132550574
Net Income132550574
Ratio Analysis Profitability%%%
Return on Assets *1.020.991.04
Operating Return on Assets *1.020.991.04
Return on Equity *9.599.189.17
Net Interest Margin *3.443.483.86
Fee Income / Assets *0.120.120.14
Overhead / Assets *2.292.302.54
Efficiency Ratio70.4071.9370.17
Asset Quality%%%
Nonperforming Assets / Assets0.680.472.18
Nonperforming Assets / Equity & Loss Reserves5.984.0617.61
Loss Reserves / Nonperforming Loans274.832885.7161.75
1-4 Fam Mtg + MBS / Assets7.378.269.33
Commercial Real Estate Loans / Assets7.067.788.78
Construction Loans / Assets2.342.493.00
Commercial & Industrial Loans / Assets3.894.104.36
Consumer Loans / Assets1.471.721.66
Capitalization%%%
Equity / Assets10.6510.8911.67
Tangible Capital / Tangible Assets10.6510.8911.67
Risk-based Capital Ratio21.9821.7120.84
Liquidity%%%
Loans / Deposits42.6846.4648.23
Non-Interest Bearing Deposits / Deposits16.7315.8118.20
Purchased Liabilities0.880.931.86

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