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, 2013
Federal Reserve System Identifier 821643




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$46,376$44,298$39,780
Loans Receivable, Net28,88628,60925,915
Mortgage-Backed Securities000
Investments15,05913,37011,421
Deposits35,69133,86630,328
Borrowings5,8925,1674,705
Equity4,6465,1074,612
Net Interest Income1,4911,4271,284
Fee Income594751
Overhead732718724
Net Operating Income897826724
Net Income853786690
Ratio Analysis Profitability%%%
Return on Assets *1.881.891.87
Operating Return on Assets *1.971.991.96
Return on Equity *17.8815.7015.49
Net Interest Margin *3.453.613.68
Fee Income / Assets *0.130.110.14
Overhead / Assets *1.611.731.97
Efficiency Ratio44.9445.8249.25
Asset Quality%%%
Nonperforming Assets / Assets0.621.171.63
Nonperforming Assets / Equity & Loss Reserves5.839.6413.41
Loss Reserves / Nonperforming Loans436.7670.210.88
1-4 Fam Mtg + MBS / Assets12.6411.2612.74
Commercial Real Estate Loans / Assets4.145.214.43
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets8.757.467.66
Consumer Loans / Assets3.033.683.65
Capitalization%%%
Equity / Assets10.0211.5311.59
Tangible Capital / Tangible Assets10.0211.5311.59
Risk-based Capital Ratio15.0114.4814.85
Liquidity%%%
Loans / Deposits80.9384.4885.45
Non-Interest Bearing Deposits / Deposits8.598.7011.70
Purchased Liabilities17.3313.1719.71

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