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SAFE & SOUND® STAR RATINGS

ASHTON STATE BANK

295 CENTER AVENUE
ASHTON, Nebraska 68817

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of December 31, 2014
Federal Reserve System Identifier 336950




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$22,488$22,633$21,404
Loans Receivable, Net12,75110,63710,923
Mortgage-Backed Securities000
Investments1,7002,100900
Deposits19,97520,51519,360
Borrowings50000
Equity1,9401,9741,885
Net Interest Income774652671
Fee Income727789
Overhead546507505
Net Operating Income15206236
Net Income4139153
Ratio Analysis Profitability%%%
Return on Assets *0.020.610.76
Operating Return on Assets *0.070.901.18
Return on Equity *0.207.268.38
Net Interest Margin *3.653.103.68
Fee Income / Assets *0.320.340.44
Overhead / Assets *2.392.212.52
Efficiency Ratio64.1668.9866.01
Asset Quality%%%
Nonperforming Assets / Assets1.260.100.25
Nonperforming Assets / Equity & Loss Reserves11.921.032.66
Loss Reserves / Nonperforming Loans153.36695.45266.67
1-4 Fam Mtg + MBS / Assets0.470.530.40
Commercial Real Estate Loans / Assets0.340.380.44
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.361.222.62
Consumer Loans / Assets1.791.801.40
Capitalization%%%
Equity / Assets8.638.728.81
Tangible Capital / Tangible Assets8.638.728.81
Risk-based Capital Ratio14.1816.0315.02
Liquidity%%%
Loans / Deposits63.8351.8556.42
Non-Interest Bearing Deposits / Deposits11.8711.7114.32
Purchased Liabilities6.674.424.67

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