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 December 31, 2013
Federal Reserve System Identifier 43454




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$23,874$24,369$25,092
Loans Receivable, Net10,96411,00510,821
Mortgage-Backed Securities413551282
Investments4,9155,6275,264
Deposits20,60720,81521,690
Borrowings000
Equity3,2593,5433,388
Net Interest Income780777808
Fee Income688195
Overhead728706707
Net Operating Income153211243
Net Income153211243
Ratio Analysis Profitability%%%
Return on Assets *0.630.871.03
Operating Return on Assets *0.630.871.03
Return on Equity *4.566.027.51
Net Interest Margin *3.403.403.71
Fee Income / Assets *0.280.330.40
Overhead / Assets *3.002.903.01
Efficiency Ratio81.0776.5774.34
Asset Quality%%%
Nonperforming Assets / Assets0.710.000.33
Nonperforming Assets / Equity & Loss Reserves4.990.002.31
Loss Reserves / Nonperforming Loansn/an/a1.89
1-4 Fam Mtg + MBS / Assets10.9411.7211.24
Commercial Real Estate Loans / Assets12.9115.0213.00
Construction Loans / Assets4.812.010.75
Commercial & Industrial Loans / Assets7.548.587.59
Consumer Loans / Assets3.953.623.30
Capitalization%%%
Equity / Assets13.6514.5413.50
Tangible Capital / Tangible Assets13.6514.5413.50
Risk-based Capital Ratio28.2924.9227.21
Liquidity%%%
Loans / Deposits53.2152.8749.89
Non-Interest Bearing Deposits / Deposits28.6431.1730.45
Purchased Liabilities1.161.133.52

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