SAFE & SOUND® STAR RATINGS

Financial statement

ASHTON STATE BANK
317 THIRD STREET
ASHTON, Iowa 51232

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 821643




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$48,302$46,376$44,298
Loans Receivable, Net29,07928,88628,609
Mortgage-Backed Securities000
Investments16,52015,05913,370
Deposits38,96335,69133,866
Borrowings3,7635,8925,167
Equity5,4014,6465,107
Net Interest Income1,1141,4911,427
Fee Income415947
Overhead568732718
Net Operating Income603897826
Net Income574853786
Ratio Analysis Profitability%%%
Return on Assets *1.671.881.89
Operating Return on Assets *1.751.971.99
Return on Equity *15.2017.8815.70
Net Interest Margin *3.373.453.61
Fee Income / Assets *0.120.130.11
Overhead / Assets *1.651.611.73
Efficiency Ratio47.1444.9445.82
Asset Quality%%%
Nonperforming Assets / Assets1.920.621.17
Nonperforming Assets / Equity & Loss Reserves16.275.839.64
Loss Reserves / Nonperforming Loans33.26436.7670.21
1-4 Fam Mtg + MBS / Assets13.7012.6411.26
Commercial Real Estate Loans / Assets4.184.145.21
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.458.757.46
Consumer Loans / Assets3.353.033.68
Capitalization%%%
Equity / Assets11.1810.0211.53
Tangible Capital / Tangible Assets11.1810.0211.53
Risk-based Capital Ratio15.7015.0114.48
Liquidity%%%
Loans / Deposits74.6380.9384.48
Non-Interest Bearing Deposits / Deposits8.368.598.70
Purchased Liabilities12.6917.3313.17

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