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Financial statement

AMERICAN STATE BANK OF ERSKINE
201 VANCE AVENUE NORTH
ERSKINE, Minnesota 56535

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of March 31, 2014
Federal Reserve System Identifier 43454




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$24,915$23,874$24,369
Loans Receivable, Net9,92310,96411,005
Mortgage-Backed Securities404413551
Investments4,9004,9155,627
Deposits21,52820,60720,815
Borrowings000
Equity3,3743,2593,543
Net Interest Income188780777
Fee Income196881
Overhead175728706
Net Operating Income45153211
Net Income45153211
Ratio Analysis Profitability%%%
Return on Assets *0.660.630.87
Operating Return on Assets *0.660.630.87
Return on Equity *4.844.566.02
Net Interest Margin *3.393.403.40
Fee Income / Assets *0.280.280.33
Overhead / Assets *2.993.002.90
Efficiency Ratio79.1981.0776.57
Asset Quality%%%
Nonperforming Assets / Assets0.680.710.00
Nonperforming Assets / Equity & Loss Reserves4.834.990.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets10.0810.9411.72
Commercial Real Estate Loans / Assets12.2012.9115.02
Construction Loans / Assets4.644.812.01
Commercial & Industrial Loans / Assets5.817.548.58
Consumer Loans / Assets3.403.953.62
Capitalization%%%
Equity / Assets13.5413.6514.54
Tangible Capital / Tangible Assets13.5413.6514.54
Risk-based Capital Ratio30.0728.2924.92
Liquidity%%%
Loans / Deposits46.0953.2152.87
Non-Interest Bearing Deposits / Deposits28.7428.6431.17
Purchased Liabilities1.111.161.13

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