Ashton State Bank

Ashton State Bank is headquartered in Ashton and is the 204^th largest bank in the state of Nebraska. It is also the 7,227^th largest bank in the nation. It was established in 1908 and as of December of 2011, it had grown to 4 employees at 1 location. Ashton State Bank has a 5-star health rating.

Data for Q4 2011

Institution Statistics Ashton State Bank FDIC Certificate # 1436 BankRate Report View Year Established 1908 Employees 4 Primary Regulator FDIC Assets and Liabilities Assets $18.41 million Loans $9.61 million Deposits $16.04 million Equity Capital $1.77 million Loan Loss Allowance $120,000 Unbacked Noncurrent Loans $56,000 Historic Data - December 2010 Assets $17.97 million Equity Capital $1.63 million Loan Loss Allowance $160,000 Unbacked Noncurrent Loans $128,000 Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 0.84% Return on Equity 9.07% Interest Income $806,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Ashton State Bank had $56,000 in non-current loans and owned real-estate with $1.89 million in equity and loan loss allowances on hand to cover it. This gives Ashton State Bank a Texas Ratio of 2.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ashton State Bank decreased significantly from (infinite) as of December 31, 2010 to 2.96% as of December 31, 2011, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Ashton State Bank has improved significantly in recent periods. Deposit Growth In the past year, Ashton State Bank has decreased its total deposits by $-187,000, resulting in -1.15% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ashton State Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ashton State Bank has $18.41 million in assets with $1.89 million in equity, resulting in a capitalization level of 10.26%, which is above average.

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