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, 2013
Federal Reserve System Identifier 224552




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$30,319$28,900$23,782
Loans Receivable, Net26,51624,11218,994
Mortgage-Backed Securities9909921,979
Investments2081010
Deposits27,98426,71021,923
Borrowings000
Equity2,3142,1461,836
Net Interest Income1,5971,3971,188
Fee Income335363366
Overhead1,4831,3021,256
Net Operating Income776497326
Net Income734492299
Ratio Analysis Profitability%%%
Return on Assets *2.471.871.35
Operating Return on Assets *2.611.891.47
Return on Equity *31.5524.3117.15
Net Interest Margin *5.825.735.91
Fee Income / Assets *1.131.381.66
Overhead / Assets *4.994.965.68
Efficiency Ratio65.4772.3779.24
Asset Quality%%%
Nonperforming Assets / Assets0.050.070.14
Nonperforming Assets / Equity & Loss Reserves0.550.801.59
Loss Reserves / Nonperforming Loans1721.431273.681.28
1-4 Fam Mtg + MBS / Assets15.0614.1317.18
Commercial Real Estate Loans / Assets14.3412.006.45
Construction Loans / Assets0.000.041.73
Commercial & Industrial Loans / Assets14.2517.6914.66
Consumer Loans / Assets7.827.678.25
Capitalization%%%
Equity / Assets7.637.437.72
Tangible Capital / Tangible Assets7.577.367.64
Risk-based Capital Ratio10.3010.2610.43
Liquidity%%%
Loans / Deposits94.7590.2786.64
Non-Interest Bearing Deposits / Deposits21.9624.6427.02
Purchased Liabilities0.820.0027.04

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