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SAFE & SOUND® STAR RATINGS

ASHTON STATE BANK

317 THIRD STREET
ASHTON, Iowa 51232

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 821643




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$48,906$48,885$46,376
Loans Receivable, Net29,46229,67828,886
Mortgage-Backed Securities000
Investments16,92216,91615,059
Deposits37,34539,35635,691
Borrowings5,7394,0755,892
Equity5,6355,2914,646
Net Interest Income1,1501,4951,491
Fee Income355359
Overhead575783732
Net Operating Income667557897
Net Income634530853
Ratio Analysis Profitability%%%
Return on Assets *1.211.111.88
Operating Return on Assets *1.271.171.97
Return on Equity *10.8010.1317.88
Net Interest Margin *3.303.293.45
Fee Income / Assets *0.100.110.13
Overhead / Assets *1.621.641.61
Efficiency Ratio45.0348.6344.94
Asset Quality%%%
Nonperforming Assets / Assets1.151.610.62
Nonperforming Assets / Equity & Loss Reserves9.3614.035.83
Loss Reserves / Nonperforming Loans66.1941.12436.76
1-4 Fam Mtg + MBS / Assets12.2313.3512.64
Commercial Real Estate Loans / Assets4.504.234.14
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.165.688.75
Consumer Loans / Assets2.433.123.03
Capitalization%%%
Equity / Assets11.5210.8210.02
Tangible Capital / Tangible Assets11.5210.8210.02
Risk-based Capital Ratio15.6615.0315.01
Liquidity%%%
Loans / Deposits78.8975.4180.93
Non-Interest Bearing Deposits / Deposits7.9511.098.59
Purchased Liabilities16.5813.1917.33

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