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SAFE & SOUND® STAR RATINGS

ASHTON STATE BANK

317 THIRD STREET
ASHTON, Iowa 51232

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of December 31, 2014
Federal Reserve System Identifier 821643




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$48,885$46,376$44,298
Loans Receivable, Net29,67828,88628,609
Mortgage-Backed Securities000
Investments16,91615,05913,370
Deposits39,35635,69133,866
Borrowings4,0755,8925,167
Equity5,2914,6465,107
Net Interest Income1,4951,4911,427
Fee Income535947
Overhead783732718
Net Operating Income557897826
Net Income530853786
Ratio Analysis Profitability%%%
Return on Assets *1.111.881.89
Operating Return on Assets *1.171.971.99
Return on Equity *10.1317.8815.70
Net Interest Margin *3.293.453.61
Fee Income / Assets *0.110.130.11
Overhead / Assets *1.641.611.73
Efficiency Ratio48.6344.9445.82
Asset Quality%%%
Nonperforming Assets / Assets1.610.621.17
Nonperforming Assets / Equity & Loss Reserves14.035.839.64
Loss Reserves / Nonperforming Loans41.12436.7670.21
1-4 Fam Mtg + MBS / Assets13.3512.6411.26
Commercial Real Estate Loans / Assets4.234.145.21
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.688.757.46
Consumer Loans / Assets3.123.033.68
Capitalization%%%
Equity / Assets10.8210.0211.53
Tangible Capital / Tangible Assets10.8210.0211.53
Risk-based Capital Ratio15.0315.0114.48
Liquidity%%%
Loans / Deposits75.4180.9384.48
Non-Interest Bearing Deposits / Deposits11.098.598.70
Purchased Liabilities13.1917.3313.17

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