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SAFE & SOUND® STAR RATINGS

ASHTON STATE BANK

295 CENTER AVENUE
ASHTON, Nebraska 68817

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 336950




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$23,191$22,488$22,633
Loans Receivable, Net14,53812,75110,637
Mortgage-Backed Securities000
Investments9001,7002,100
Deposits20,49619,97520,515
Borrowings5005000
Equity2,0961,9401,974
Net Interest Income830774652
Fee Income767277
Overhead631546507
Net Operating Income25115206
Net Income1684139
Ratio Analysis Profitability%%%
Return on Assets *0.740.020.61
Operating Return on Assets *1.100.070.90
Return on Equity *8.240.207.26
Net Interest Margin *3.873.653.10
Fee Income / Assets *0.330.320.34
Overhead / Assets *2.772.392.21
Efficiency Ratio69.1964.1668.98
Asset Quality%%%
Nonperforming Assets / Assets2.591.260.10
Nonperforming Assets / Equity & Loss Reserves23.4411.921.03
Loss Reserves / Nonperforming Loans77.87153.36695.45
1-4 Fam Mtg + MBS / Assets0.330.470.53
Commercial Real Estate Loans / Assets0.290.340.38
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.192.361.22
Consumer Loans / Assets2.231.791.80
Capitalization%%%
Equity / Assets9.048.638.72
Tangible Capital / Tangible Assets9.048.638.72
Risk-based Capital Ratio14.1514.1816.03
Liquidity%%%
Loans / Deposits70.9363.8351.85
Non-Interest Bearing Deposits / Deposits12.6811.8711.71
Purchased Liabilities6.476.674.42

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