SAFE & SOUND® STAR RATINGS

Financial statement

ASHTON STATE BANK
295 CENTER AVENUE
ASHTON, Nebraska 68817

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




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$22,688$22,633$21,404
Loans Receivable, Net11,29210,63710,923
Mortgage-Backed Securities000
Investments2,1002,100900
Deposits20,50320,51519,360
Borrowings000
Equity2,0241,9741,885
Net Interest Income365652671
Fee Income427789
Overhead259507505
Net Operating Income144206236
Net Income88139153
Ratio Analysis Profitability%%%
Return on Assets *0.720.610.76
Operating Return on Assets *1.160.901.18
Return on Equity *8.457.268.38
Net Interest Margin *3.343.103.68
Fee Income / Assets *0.380.340.44
Overhead / Assets *2.242.212.52
Efficiency Ratio63.0268.9866.01
Asset Quality%%%
Nonperforming Assets / Assets0.200.100.25
Nonperforming Assets / Equity & Loss Reserves2.051.032.66
Loss Reserves / Nonperforming Loans371.11695.45266.67
1-4 Fam Mtg + MBS / Assets0.490.530.40
Commercial Real Estate Loans / Assets0.360.380.44
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.391.222.62
Consumer Loans / Assets1.571.801.40
Capitalization%%%
Equity / Assets8.928.728.81
Tangible Capital / Tangible Assets8.928.728.81
Risk-based Capital Ratio16.0516.0315.02
Liquidity%%%
Loans / Deposits55.0751.8556.42
Non-Interest Bearing Deposits / Deposits10.0711.7114.32
Purchased Liabilities4.414.424.67

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