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SAFE & SOUND® STAR RATINGS

Financial statement

ATWATER STATE BANK
222 ATLANTIC
ATWATER, Minnesota 56209

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 299653




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$45,132$42,302$39,272
Loans Receivable, Net31,26829,13728,898
Mortgage-Backed Securities1,9501,1131,071
Investments4,8625,1253,837
Deposits39,85437,66233,957
Borrowings1,2087651,818
Equity3,9693,7763,433
Net Interest Income1,5021,5291,393
Fee Income646862
Overhead1,3211,2901,233
Net Operating Income290315215
Net Income290315214
Ratio Analysis Profitability%%%
Return on Assets *0.660.760.54
Operating Return on Assets *0.660.760.55
Return on Equity *7.378.616.62
Net Interest Margin *3.683.943.91
Fee Income / Assets *0.150.160.16
Overhead / Assets *3.023.123.16
Efficiency Ratio82.1580.5781.23
Asset Quality%%%
Nonperforming Assets / Assets1.040.442.29
Nonperforming Assets / Equity & Loss Reserves10.754.3822.57
Loss Reserves / Nonperforming Loans82.261.531.92
1-4 Fam Mtg + MBS / Assets22.9921.3022.27
Commercial Real Estate Loans / Assets3.344.086.07
Construction Loans / Assets0.630.000.69
Commercial & Industrial Loans / Assets14.0213.8112.45
Consumer Loans / Assets3.554.475.51
Capitalization%%%
Equity / Assets8.798.938.74
Tangible Capital / Tangible Assets8.798.938.74
Risk-based Capital Ratio14.8714.7113.75
Liquidity%%%
Loans / Deposits78.4677.3685.10
Non-Interest Bearing Deposits / Deposits19.5619.1915.50
Purchased Liabilities9.6710.8013.71

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.65% 0.64%
Compare rates:
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