Safe & Sound » Bank Ratings » ASHTON STATE BANK


SAFE & SOUND® STAR RATINGS

ASHTON STATE BANK

317 THIRD STREET
ASHTON, Iowa 51232

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 821643




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$49,593$48,885$46,376
Loans Receivable, Net30,09729,67828,886
Mortgage-Backed Securities000
Investments16,57016,91615,059
Deposits37,60139,35635,691
Borrowings6,2194,0755,892
Equity5,5785,2914,646
Net Interest Income1,5821,4951,491
Fee Income485359
Overhead831783732
Net Operating Income855557897
Net Income813530853
Ratio Analysis Profitability%%%
Return on Assets *1.661.111.88
Operating Return on Assets *1.741.171.97
Return on Equity *14.6810.1317.88
Net Interest Margin *3.413.293.45
Fee Income / Assets *0.100.110.13
Overhead / Assets *1.691.641.61
Efficiency Ratio47.9548.6344.94
Asset Quality%%%
Nonperforming Assets / Assets0.971.610.62
Nonperforming Assets / Equity & Loss Reserves8.1214.035.83
Loss Reserves / Nonperforming Loans436.7141.12436.76
1-4 Fam Mtg + MBS / Assets12.2613.3512.64
Commercial Real Estate Loans / Assets5.314.234.14
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.445.688.75
Consumer Loans / Assets2.773.123.03
Capitalization%%%
Equity / Assets11.2510.8210.02
Tangible Capital / Tangible Assets11.2510.8210.02
Risk-based Capital Ratio15.5715.0315.01
Liquidity%%%
Loans / Deposits80.0475.4180.93
Non-Interest Bearing Deposits / Deposits8.6011.098.59
Purchased Liabilities18.1413.1917.33

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

Connect with us