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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, 2015
Federal Reserve System Identifier 270353




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$56,864$54,332$53,538
Loans Receivable, Net20,79221,04621,787
Mortgage-Backed Securities1,1691,2521,691
Investments21,82122,26121,807
Deposits50,00847,72746,892
Borrowings000
Equity5,8395,8105,830
Net Interest Income3971,6071,612
Fee Income115767
Overhead3071,2121,276
Net Operating Income214557550
Net Income214557550
Ratio Analysis Profitability%%%
Return on Assets *1.151.000.99
Operating Return on Assets *1.151.000.99
Return on Equity *10.989.499.18
Net Interest Margin *3.473.473.48
Fee Income / Assets *0.100.100.12
Overhead / Assets *2.172.192.30
Efficiency Ratio58.9368.5171.93
Asset Quality%%%
Nonperforming Assets / Assets0.250.680.47
Nonperforming Assets / Equity & Loss Reserves2.295.994.06
Loss Reserves / Nonperforming Loans282.52282.522885.71
1-4 Fam Mtg + MBS / Assets6.327.028.26
Commercial Real Estate Loans / Assets5.745.627.78
Construction Loans / Assets2.112.222.49
Commercial & Industrial Loans / Assets2.573.044.10
Consumer Loans / Assets1.451.651.72
Capitalization%%%
Equity / Assets10.2710.6910.89
Tangible Capital / Tangible Assets10.2710.6910.89
Risk-based Capital Ratio21.6821.9421.71
Liquidity%%%
Loans / Deposits41.5844.1046.46
Non-Interest Bearing Deposits / Deposits18.4819.2515.81
Purchased Liabilities0.880.920.93

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