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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, 2014
Federal Reserve System Identifier 270353




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$54,332$53,538$54,928
Loans Receivable, Net21,04621,78722,898
Mortgage-Backed Securities1,2521,6912,155
Investments22,26121,80718,404
Deposits47,72746,89247,475
Borrowings00197
Equity5,8105,8306,412
Net Interest Income1,6071,6121,785
Fee Income576775
Overhead1,2121,2761,397
Net Operating Income557550574
Net Income557550574
Ratio Analysis Profitability%%%
Return on Assets *1.000.991.04
Operating Return on Assets *1.000.991.04
Return on Equity *9.499.189.17
Net Interest Margin *3.473.483.86
Fee Income / Assets *0.100.120.14
Overhead / Assets *2.192.302.54
Efficiency Ratio68.5171.9370.17
Asset Quality%%%
Nonperforming Assets / Assets0.680.472.18
Nonperforming Assets / Equity & Loss Reserves5.994.0617.61
Loss Reserves / Nonperforming Loans282.522885.7161.75
1-4 Fam Mtg + MBS / Assets7.028.269.33
Commercial Real Estate Loans / Assets5.627.788.78
Construction Loans / Assets2.222.493.00
Commercial & Industrial Loans / Assets3.044.104.36
Consumer Loans / Assets1.651.721.66
Capitalization%%%
Equity / Assets10.6910.8911.67
Tangible Capital / Tangible Assets10.6910.8911.67
Risk-based Capital Ratio21.9421.7120.84
Liquidity%%%
Loans / Deposits44.1046.4648.23
Non-Interest Bearing Deposits / Deposits19.2515.8118.20
Purchased Liabilities0.920.931.86

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