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SAFE & SOUND® STAR RATINGS

ALMENA STATE BANK

500 MAIN STREET
ALMENA, Kansas 67622

STAR RATING: 5 starstarstarstarstar G
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 224552




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$59,630$33,691$30,319
Loans Receivable, Net50,03230,19626,516
Mortgage-Backed Securities755874990
Investments5,148208208
Deposits53,26229,68327,984
Borrowings4031,3780
Equity5,8232,6102,314
Net Interest Income1,5901,7521,597
Fee Income227339335
Overhead1,4461,6011,483
Net Operating Income1,109565776
Net Income1,089546734
Ratio Analysis Profitability%%%
Return on Assets *3.041.682.47
Operating Return on Assets *3.101.742.61
Return on Equity *35.5621.8031.55
Net Interest Margin *5.355.745.82
Fee Income / Assets *0.871.041.13
Overhead / Assets *4.854.934.99
Efficiency Ratio55.6272.4165.47
Asset Quality%%%
Nonperforming Assets / Assets0.450.030.05
Nonperforming Assets / Equity & Loss Reserves4.250.380.55
Loss Reserves / Nonperforming Loans177.612463.641721.43
1-4 Fam Mtg + MBS / Assets13.0014.7315.06
Commercial Real Estate Loans / Assets11.9415.9814.34
Construction Loans / Assets0.690.300.00
Commercial & Industrial Loans / Assets18.6214.1114.25
Consumer Loans / Assets6.318.117.82
Capitalization%%%
Equity / Assets9.777.757.63
Tangible Capital / Tangible Assets9.187.697.57
Risk-based Capital Ratio12.6410.1110.30
Liquidity%%%
Loans / Deposits93.94101.7394.75
Non-Interest Bearing Deposits / Deposits20.2322.1921.96
Purchased Liabilities1.596.460.82

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