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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 September 30, 2014
Federal Reserve System Identifier 224552




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$34,167$30,319$28,900
Loans Receivable, Net30,38826,51624,112
Mortgage-Backed Securities859990992
Investments20820810
Deposits31,11127,98426,710
Borrowings41500
Equity2,6122,3142,146
Net Interest Income1,2921,5971,397
Fee Income223335363
Overhead1,1271,4831,302
Net Operating Income446776497
Net Income430734492
Ratio Analysis Profitability%%%
Return on Assets *1.632.471.87
Operating Return on Assets *1.732.611.89
Return on Equity *21.3031.5524.31
Net Interest Margin *5.895.825.73
Fee Income / Assets *1.031.131.38
Overhead / Assets *5.044.994.96
Efficiency Ratio70.2265.4772.37
Asset Quality%%%
Nonperforming Assets / Assets0.110.050.07
Nonperforming Assets / Equity & Loss Reserves1.310.550.80
Loss Reserves / Nonperforming Loans739.471721.431273.68
1-4 Fam Mtg + MBS / Assets13.6915.0614.13
Commercial Real Estate Loans / Assets17.5814.3412.00
Construction Loans / Assets0.000.000.04
Commercial & Industrial Loans / Assets12.8614.2517.69
Consumer Loans / Assets7.627.827.67
Capitalization%%%
Equity / Assets7.647.637.43
Tangible Capital / Tangible Assets7.597.577.36
Risk-based Capital Ratio10.1310.3010.26
Liquidity%%%
Loans / Deposits97.6894.7590.27
Non-Interest Bearing Deposits / Deposits22.9021.9624.64
Purchased Liabilities3.550.820.00

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