SAFE & SOUND® STAR RATINGS

Financial statement

ASHTON STATE BANK
317 THIRD STREET
ASHTON, Iowa 51232

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 821643




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$46,870$46,376$44,298
Loans Receivable, Net28,95428,88628,609
Mortgage-Backed Securities000
Investments15,35815,05913,370
Deposits37,77935,69133,866
Borrowings3,9905,8925,167
Equity4,9504,6465,107
Net Interest Income3661,4911,427
Fee Income195947
Overhead192732718
Net Operating Income204897826
Net Income194853786
Ratio Analysis Profitability%%%
Return on Assets *1.841.881.89
Operating Return on Assets *1.931.971.99
Return on Equity *17.8417.8815.70
Net Interest Margin *3.453.453.61
Fee Income / Assets *0.140.130.11
Overhead / Assets *1.621.611.73
Efficiency Ratio48.0044.9445.82
Asset Quality%%%
Nonperforming Assets / Assets2.490.621.17
Nonperforming Assets / Equity & Loss Reserves22.295.839.64
Loss Reserves / Nonperforming Loans29.21436.7670.21
1-4 Fam Mtg + MBS / Assets14.2312.6411.26
Commercial Real Estate Loans / Assets4.024.145.21
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.258.757.46
Consumer Loans / Assets2.733.033.68
Capitalization%%%
Equity / Assets10.5610.0211.53
Tangible Capital / Tangible Assets10.5610.0211.53
Risk-based Capital Ratio15.3115.0114.48
Liquidity%%%
Loans / Deposits76.6480.9384.48
Non-Interest Bearing Deposits / Deposits8.958.598.70
Purchased Liabilities12.5917.3313.17

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