SAFE & SOUND® STAR RATINGS

Financial statement

ASHTON STATE BANK
295 CENTER AVENUE
ASHTON, Nebraska 68817

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 336950




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$23,417$22,633$21,404
Loans Receivable, Net9,81510,63710,923
Mortgage-Backed Securities000
Investments1,6002,100900
Deposits21,28420,51519,360
Borrowings000
Equity1,9791,9741,885
Net Interest Income175652671
Fee Income217789
Overhead130507505
Net Operating Income62206236
Net Income42139153
Ratio Analysis Profitability%%%
Return on Assets *0.660.610.76
Operating Return on Assets *0.970.901.18
Return on Equity *7.877.268.38
Net Interest Margin *3.153.103.68
Fee Income / Assets *0.360.340.44
Overhead / Assets *2.242.212.52
Efficiency Ratio65.6668.9866.01
Asset Quality%%%
Nonperforming Assets / Assets0.020.100.25
Nonperforming Assets / Equity & Loss Reserves0.231.032.66
Loss Reserves / Nonperforming Loans3220.00695.45266.67
1-4 Fam Mtg + MBS / Assets0.490.530.40
Commercial Real Estate Loans / Assets0.350.380.44
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.931.222.62
Consumer Loans / Assets1.381.801.40
Capitalization%%%
Equity / Assets8.458.728.81
Tangible Capital / Tangible Assets8.458.728.81
Risk-based Capital Ratio16.3616.0315.02
Liquidity%%%
Loans / Deposits46.1151.8556.42
Non-Interest Bearing Deposits / Deposits10.9011.7114.32
Purchased Liabilities4.274.424.67

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