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SAFE & SOUND® STAR RATINGS

Financial statement

ALMENA STATE BANK
500 MAIN STREET
ALMENA, Kansas 67622

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 224552




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$28,900$23,782$21,563
Loans Receivable, Net24,11218,99416,694
Mortgage-Backed Securities9921,9791,581
Investments101011
Deposits26,71021,92319,938
Borrowings000
Equity2,1461,8361,593
Net Interest Income1,3971,1881,144
Fee Income363366406
Overhead1,3021,2561,161
Net Operating Income497326299
Net Income492299295
Ratio Analysis Profitability%%%
Return on Assets *1.871.351.39
Operating Return on Assets *1.891.471.41
Return on Equity *24.3117.1520.16
Net Interest Margin *5.735.915.82
Fee Income / Assets *1.381.661.92
Overhead / Assets *4.965.685.48
Efficiency Ratio72.3779.2473.34
Asset Quality%%%
Nonperforming Assets / Assets0.070.140.17
Nonperforming Assets / Equity & Loss Reserves0.801.592.02
Loss Reserves / Nonperforming Loans1273.681.281.44
1-4 Fam Mtg + MBS / Assets14.1317.1817.84
Commercial Real Estate Loans / Assets12.006.455.49
Construction Loans / Assets0.041.730.21
Commercial & Industrial Loans / Assets17.6914.6613.37
Consumer Loans / Assets7.678.256.60
Capitalization%%%
Equity / Assets7.437.727.39
Tangible Capital / Tangible Assets7.367.647.30
Risk-based Capital Ratio10.2610.4310.38
Liquidity%%%
Loans / Deposits90.2786.6483.73
Non-Interest Bearing Deposits / Deposits24.6427.0218.54
Purchased Liabilities0.0027.0420.04

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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