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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 December 31, 2014
Federal Reserve System Identifier 224552




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$33,691$30,319$28,900
Loans Receivable, Net30,19626,51624,112
Mortgage-Backed Securities874990992
Investments20820810
Deposits29,68327,98426,710
Borrowings1,37800
Equity2,6102,3142,146
Net Interest Income1,7521,5971,397
Fee Income339335363
Overhead1,6011,4831,302
Net Operating Income565776497
Net Income546734492
Ratio Analysis Profitability%%%
Return on Assets *1.682.471.87
Operating Return on Assets *1.742.611.89
Return on Equity *21.8031.5524.31
Net Interest Margin *5.745.825.73
Fee Income / Assets *1.041.131.38
Overhead / Assets *4.934.994.96
Efficiency Ratio72.4165.4772.37
Asset Quality%%%
Nonperforming Assets / Assets0.030.050.07
Nonperforming Assets / Equity & Loss Reserves0.380.550.80
Loss Reserves / Nonperforming Loans2463.641721.431273.68
1-4 Fam Mtg + MBS / Assets14.7315.0614.13
Commercial Real Estate Loans / Assets15.9814.3412.00
Construction Loans / Assets0.300.000.04
Commercial & Industrial Loans / Assets14.1114.2517.69
Consumer Loans / Assets8.117.827.67
Capitalization%%%
Equity / Assets7.757.637.43
Tangible Capital / Tangible Assets7.697.577.36
Risk-based Capital Ratio10.1110.3010.26
Liquidity%%%
Loans / Deposits101.7394.7590.27
Non-Interest Bearing Deposits / Deposits22.1921.9624.64
Purchased Liabilities6.460.820.00

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