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SAFE & SOUND® STAR RATINGS

ASHTON STATE BANK

295 CENTER AVENUE
ASHTON, Nebraska 68817

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 336950




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$22,515$23,191$22,488
Loans Receivable, Net14,62514,53812,751
Mortgage-Backed Securities000
Investments9009001,700
Deposits20,26320,49619,975
Borrowings0500500
Equity2,1472,0961,940
Net Interest Income230830774
Fee Income167672
Overhead170631546
Net Operating Income6825115
Net Income511684
Ratio Analysis Profitability%%%
Return on Assets *0.710.740.02
Operating Return on Assets *1.071.100.07
Return on Equity *7.768.240.20
Net Interest Margin *3.973.873.65
Fee Income / Assets *0.320.330.32
Overhead / Assets *2.902.772.39
Efficiency Ratio68.5569.1964.16
Asset Quality%%%
Nonperforming Assets / Assets2.222.591.26
Nonperforming Assets / Equity & Loss Reserves19.0223.4411.92
Loss Reserves / Nonperforming Loans96.4077.87153.36
1-4 Fam Mtg + MBS / Assets0.330.330.47
Commercial Real Estate Loans / Assets0.290.290.34
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.232.192.36
Consumer Loans / Assets2.442.231.79
Capitalization%%%
Equity / Assets9.549.048.63
Tangible Capital / Tangible Assets9.549.048.63
Risk-based Capital Ratio19.9814.1514.18
Liquidity%%%
Loans / Deposits72.1870.9363.83
Non-Interest Bearing Deposits / Deposits12.9312.6811.87
Purchased Liabilities4.446.476.67

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