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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, 2015
Federal Reserve System Identifier 821643




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$50,346$48,885$46,376
Loans Receivable, Net28,83129,67828,886
Mortgage-Backed Securities000
Investments16,87316,91615,059
Deposits40,97339,35635,691
Borrowings3,6754,0755,892
Equity5,5225,2914,646
Net Interest Income3791,4951,491
Fee Income115359
Overhead196783732
Net Operating Income195557897
Net Income186530853
Ratio Analysis Profitability%%%
Return on Assets *1.081.111.88
Operating Return on Assets *1.131.171.97
Return on Equity *9.7110.1317.88
Net Interest Margin *3.263.293.45
Fee Income / Assets *0.090.110.13
Overhead / Assets *1.621.641.61
Efficiency Ratio48.7648.6344.94
Asset Quality%%%
Nonperforming Assets / Assets1.111.610.62
Nonperforming Assets / Equity & Loss Reserves9.5214.035.83
Loss Reserves / Nonperforming Loans60.9341.12436.76
1-4 Fam Mtg + MBS / Assets13.5213.3512.64
Commercial Real Estate Loans / Assets4.024.234.14
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.565.688.75
Consumer Loans / Assets2.403.123.03
Capitalization%%%
Equity / Assets10.9710.8210.02
Tangible Capital / Tangible Assets10.9710.8210.02
Risk-based Capital Ratio15.4915.0315.01
Liquidity%%%
Loans / Deposits70.3775.4180.93
Non-Interest Bearing Deposits / Deposits10.4611.098.59
Purchased Liabilities12.0213.1917.33

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