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SAFE & SOUND® STAR RATINGS

ALMENA STATE BANK

500 MAIN STREET
ALMENA, Kansas 67622

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 224552




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$34,037$33,691$30,319
Loans Receivable, Net29,89830,19626,516
Mortgage-Backed Securities897874990
Investments208208208
Deposits30,44429,68327,984
Borrowings9871,3780
Equity2,5742,6102,314
Net Interest Income4451,7521,597
Fee Income59339335
Overhead4131,6011,483
Net Operating Income84565776
Net Income76546734
Ratio Analysis Profitability%%%
Return on Assets *1.611.682.47
Operating Return on Assets *1.681.742.61
Return on Equity *20.9621.8031.55
Net Interest Margin *5.805.745.82
Fee Income / Assets *1.051.041.13
Overhead / Assets *4.944.934.99
Efficiency Ratio80.6672.4165.47
Asset Quality%%%
Nonperforming Assets / Assets0.060.030.05
Nonperforming Assets / Equity & Loss Reserves0.660.380.55
Loss Reserves / Nonperforming Loans1521.052463.641721.43
1-4 Fam Mtg + MBS / Assets14.7914.7315.06
Commercial Real Estate Loans / Assets12.9315.9814.34
Construction Loans / Assets0.590.300.00
Commercial & Industrial Loans / Assets17.5414.1114.25
Consumer Loans / Assets7.918.117.82
Capitalization%%%
Equity / Assets7.567.757.63
Tangible Capital / Tangible Assets7.517.697.57
Risk-based Capital Ratio10.2210.1110.30
Liquidity%%%
Loans / Deposits98.21101.7394.75
Non-Interest Bearing Deposits / Deposits26.0322.1921.96
Purchased Liabilities7.156.460.82

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