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, 2013
Federal Reserve System Identifier 336950




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$22,633$21,404$18,410
Loans Receivable, Net10,63710,9239,608
Mortgage-Backed Securities000
Investments2,100900900
Deposits20,51519,36016,044
Borrowings00500
Equity1,9741,8851,769
Net Interest Income652671591
Fee Income778972
Overhead507505449
Net Operating Income206236210
Net Income139153153
Ratio Analysis Profitability%%%
Return on Assets *0.610.760.83
Operating Return on Assets *0.901.181.14
Return on Equity *7.268.389.00
Net Interest Margin *3.103.683.52
Fee Income / Assets *0.340.440.39
Overhead / Assets *2.212.522.45
Efficiency Ratio68.9866.0167.32
Asset Quality%%%
Nonperforming Assets / Assets0.100.250.40
Nonperforming Assets / Equity & Loss Reserves1.032.663.86
Loss Reserves / Nonperforming Loans695.45266.671.25
1-4 Fam Mtg + MBS / Assets0.530.400.55
Commercial Real Estate Loans / Assets0.380.440.55
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.222.622.04
Consumer Loans / Assets1.801.401.49
Capitalization%%%
Equity / Assets8.728.819.61
Tangible Capital / Tangible Assets8.728.819.61
Risk-based Capital Ratio16.0315.0216.03
Liquidity%%%
Loans / Deposits51.8556.4259.89
Non-Interest Bearing Deposits / Deposits11.7114.3215.35
Purchased Liabilities4.424.6722.60

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