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SAFE & SOUND® STAR RATINGS

Financial statement

ASHTON STATE BANK
295 CENTER AVENUE
ASHTON, Nebraska 68817

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 336950




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$21,404$18,410$17,970
Loans Receivable, Net10,9239,6089,050
Mortgage-Backed Securities000
Investments9009001,300
Deposits19,36016,04416,231
Borrowings05000
Equity1,8851,7691,628
Net Interest Income671591503
Fee Income897275
Overhead505449409
Net Operating Income236210172
Net Income153153126
Ratio Analysis Profitability%%%
Return on Assets *0.760.830.76
Operating Return on Assets *1.181.141.04
Return on Equity *8.389.007.97
Net Interest Margin *3.683.523.34
Fee Income / Assets *0.440.390.46
Overhead / Assets *2.522.452.48
Efficiency Ratio66.0167.3270.4
Asset Quality%%%
Nonperforming Assets / Assets0.250.400.71
Nonperforming Assets / Equity & Loss Reserves2.663.867.16
Loss Reserves / Nonperforming Loans266.671.251.77
1-4 Fam Mtg + MBS / Assets0.400.550.76
Commercial Real Estate Loans / Assets0.440.550.72
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.622.041.89
Consumer Loans / Assets1.401.491.50
Capitalization%%%
Equity / Assets8.819.619.06
Tangible Capital / Tangible Assets8.819.619.06
Risk-based Capital Ratio15.0216.0316.06
Liquidity%%%
Loans / Deposits56.4259.8955.76
Non-Interest Bearing Deposits / Deposits14.3215.3511.48
Purchased Liabilities4.6722.6025.24

* 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% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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