SAFE & SOUND® STAR RATINGS

Financial statement

ASHTON STATE BANK
295 CENTER AVENUE
ASHTON, Nebraska 68817

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 336950




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$22,755$22,633$21,404
Loans Receivable, Net12,19410,63710,923
Mortgage-Backed Securities000
Investments1,7002,100900
Deposits20,77720,51519,360
Borrowings000
Equity1,9551,9741,885
Net Interest Income567652671
Fee Income557789
Overhead386507505
Net Operating Income-50206236
Net Income19139153
Ratio Analysis Profitability%%%
Return on Assets *0.280.610.76
Operating Return on Assets *0.140.901.18
Return on Equity *3.287.268.38
Net Interest Margin *3.613.103.68
Fee Income / Assets *0.350.340.44
Overhead / Assets *2.242.212.52
Efficiency Ratio61.6668.9866.01
Asset Quality%%%
Nonperforming Assets / Assets1.080.100.25
Nonperforming Assets / Equity & Loss Reserves10.211.032.66
Loss Reserves / Nonperforming Loans181.22695.45266.67
1-4 Fam Mtg + MBS / Assets0.480.530.40
Commercial Real Estate Loans / Assets0.350.380.44
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.141.222.62
Consumer Loans / Assets1.591.801.40
Capitalization%%%
Equity / Assets8.598.728.81
Tangible Capital / Tangible Assets8.598.728.81
Risk-based Capital Ratio14.7316.0315.02
Liquidity%%%
Loans / Deposits58.6951.8556.42
Non-Interest Bearing Deposits / Deposits10.9511.7114.32
Purchased Liabilities4.394.424.67

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