SAFE & SOUND® STAR RATINGS

Financial statement

ALMENA STATE BANK
500 MAIN STREET
ALMENA, Kansas 67622

STAR RATING: 5 starstarstarstarstar
Predictive Indicator - (decline)
As of March 31, 2014
Federal Reserve System Identifier 224552




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$31,978$30,319$28,900
Loans Receivable, Net28,52026,51624,112
Mortgage-Backed Securities1,007990992
Investments20820810
Deposits28,04927,98426,710
Borrowings1,55700
Equity2,3452,3142,146
Net Interest Income4081,5971,397
Fee Income48335363
Overhead3651,4831,302
Net Operating Income89776497
Net Income85734492
Ratio Analysis Profitability%%%
Return on Assets *2.412.471.87
Operating Return on Assets *2.542.611.89
Return on Equity *30.6931.5524.31
Net Interest Margin *5.835.825.73
Fee Income / Assets *1.021.131.38
Overhead / Assets *4.954.994.96
Efficiency Ratio78.6665.4772.37
Asset Quality%%%
Nonperforming Assets / Assets0.070.050.07
Nonperforming Assets / Equity & Loss Reserves0.890.550.80
Loss Reserves / Nonperforming Loans1091.301721.431273.68
1-4 Fam Mtg + MBS / Assets14.6015.0614.13
Commercial Real Estate Loans / Assets15.4614.3412.00
Construction Loans / Assets0.000.000.04
Commercial & Industrial Loans / Assets13.5714.2517.69
Consumer Loans / Assets7.917.827.67
Capitalization%%%
Equity / Assets7.337.637.43
Tangible Capital / Tangible Assets7.277.577.36
Risk-based Capital Ratio9.9610.3010.26
Liquidity%%%
Loans / Deposits101.6894.7590.27
Non-Interest Bearing Deposits / Deposits19.3121.9624.64
Purchased Liabilities6.430.820.00

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