SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 43454




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$24,308$23,874$24,369
Loans Receivable, Net10,21310,96411,005
Mortgage-Backed Securities399413551
Investments4,9654,9155,627
Deposits20,83620,60720,815
Borrowings000
Equity3,4613,2593,543
Net Interest Income374780777
Fee Income456881
Overhead346728706
Net Operating Income98153211
Net Income98153211
Ratio Analysis Profitability%%%
Return on Assets *0.720.630.87
Operating Return on Assets *0.720.630.87
Return on Equity *5.204.566.02
Net Interest Margin *3.383.403.40
Fee Income / Assets *0.330.280.33
Overhead / Assets *2.953.002.90
Efficiency Ratio77.7581.0776.57
Asset Quality%%%
Nonperforming Assets / Assets0.820.710.00
Nonperforming Assets / Equity & Loss Reserves5.554.990.00
Loss Reserves / Nonperforming Loans480.00n/an/a
1-4 Fam Mtg + MBS / Assets10.9510.9411.72
Commercial Real Estate Loans / Assets13.1412.9115.02
Construction Loans / Assets2.374.812.01
Commercial & Industrial Loans / Assets5.347.548.58
Consumer Loans / Assets3.773.953.62
Capitalization%%%
Equity / Assets14.2413.6514.54
Tangible Capital / Tangible Assets14.2413.6514.54
Risk-based Capital Ratio30.2828.2924.92
Liquidity%%%
Loans / Deposits49.0253.2152.87
Non-Interest Bearing Deposits / Deposits26.2228.6431.17
Purchased Liabilities1.141.161.13

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