SAFE & SOUND® STAR RATINGS

Financial statement

ASHTON STATE BANK
317 THIRD STREET
ASHTON, Iowa 51232

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 821643




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$47,426$46,376$44,298
Loans Receivable, Net28,18628,88628,609
Mortgage-Backed Securities000
Investments16,23415,05913,370
Deposits38,17235,69133,866
Borrowings3,8065,8925,167
Equity5,2794,6465,107
Net Interest Income7381,4911,427
Fee Income315947
Overhead380732718
Net Operating Income398897826
Net Income379853786
Ratio Analysis Profitability%%%
Return on Assets *1.751.881.89
Operating Return on Assets *1.851.971.99
Return on Equity *16.5617.8815.70
Net Interest Margin *3.403.453.61
Fee Income / Assets *0.130.130.11
Overhead / Assets *1.641.611.73
Efficiency Ratio47.6844.9445.82
Asset Quality%%%
Nonperforming Assets / Assets2.240.621.17
Nonperforming Assets / Equity & Loss Reserves19.025.839.64
Loss Reserves / Nonperforming Loans34.39436.7670.21
1-4 Fam Mtg + MBS / Assets13.8012.6411.26
Commercial Real Estate Loans / Assets4.244.145.21
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.208.757.46
Consumer Loans / Assets3.023.033.68
Capitalization%%%
Equity / Assets11.1310.0211.53
Tangible Capital / Tangible Assets11.1310.0211.53
Risk-based Capital Ratio15.7615.0114.48
Liquidity%%%
Loans / Deposits73.8480.9384.48
Non-Interest Bearing Deposits / Deposits8.658.598.70
Purchased Liabilities13.0317.3313.17

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