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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 March 31, 2016
Federal Reserve System Identifier 821643




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$50,818$49,593$48,885
Loans Receivable, Net31,84130,09729,678
Mortgage-Backed Securities000
Investments16,07416,57016,916
Deposits38,47137,60139,356
Borrowings6,3406,2194,075
Equity5,8045,5785,291
Net Interest Income4021,5821,495
Fee Income124853
Overhead204831783
Net Operating Income248855557
Net Income236813530
Ratio Analysis Profitability%%%
Return on Assets *1.741.661.11
Operating Return on Assets *1.831.741.17
Return on Equity *15.3914.6810.13
Net Interest Margin *3.463.413.29
Fee Income / Assets *0.100.100.11
Overhead / Assets *1.691.691.64
Efficiency Ratio45.7447.9548.63
Asset Quality%%%
Nonperforming Assets / Assets0.940.971.61
Nonperforming Assets / Equity & Loss Reserves7.748.1214.03
Loss Reserves / Nonperforming Loans410.71436.7141.12
1-4 Fam Mtg + MBS / Assets11.7612.2613.35
Commercial Real Estate Loans / Assets5.365.314.23
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.895.445.68
Consumer Loans / Assets2.212.773.12
Capitalization%%%
Equity / Assets11.4211.2510.82
Tangible Capital / Tangible Assets11.4211.2510.82
Risk-based Capital Ratio15.2715.5715.03
Liquidity%%%
Loans / Deposits82.7780.0475.41
Non-Interest Bearing Deposits / Deposits8.468.6011.09
Purchased Liabilities17.9518.1413.19

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