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SAFE & SOUND® STAR RATINGS

Financial statement

ASHTON STATE BANK
317 THIRD STREET
ASHTON, Iowa 51232

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 821643




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$44,298$39,780$34,221
Loans Receivable, Net28,60925,91524,775
Mortgage-Backed Securities000
Investments13,37011,4217,322
Deposits33,86630,32826,509
Borrowings5,1674,7053,566
Equity5,1074,6124,037
Net Interest Income1,4271,2841,215
Fee Income475149
Overhead718724687
Net Operating Income826724494
Net Income786690471
Ratio Analysis Profitability%%%
Return on Assets *1.891.871.41
Operating Return on Assets *1.991.961.48
Return on Equity *15.7015.4911.25
Net Interest Margin *3.613.683.94
Fee Income / Assets *0.110.140.15
Overhead / Assets *1.731.972.07
Efficiency Ratio45.8249.2555.23
Asset Quality%%%
Nonperforming Assets / Assets1.171.631.18
Nonperforming Assets / Equity & Loss Reserves9.6413.419.48
Loss Reserves / Nonperforming Loans70.210.880.86
1-4 Fam Mtg + MBS / Assets11.2612.7415.21
Commercial Real Estate Loans / Assets5.214.436.93
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.467.668.84
Consumer Loans / Assets3.683.653.81
Capitalization%%%
Equity / Assets11.5311.5911.80
Tangible Capital / Tangible Assets11.5311.5911.80
Risk-based Capital Ratio14.4814.8515.43
Liquidity%%%
Loans / Deposits84.4885.4593.46
Non-Interest Bearing Deposits / Deposits8.7011.7010.03
Purchased Liabilities13.1719.7119.67

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.45%
1 yr CD
0.62% 0.67%
5 yr CD
1.23% 1.24%
1 yr jumbo CD
0.65% 0.64%
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