SAFE & SOUND® STAR RATINGS

Financial statement

ALMENA STATE BANK
500 MAIN STREET
ALMENA, Kansas 67622

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 224552




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$31,852$30,319$28,900
Loans Receivable, Net28,51726,51624,112
Mortgage-Backed Securities864990992
Investments20820810
Deposits28,65927,98426,710
Borrowings61800
Equity2,4522,3142,146
Net Interest Income8341,5971,397
Fee Income117335363
Overhead7341,4831,302
Net Operating Income237776497
Net Income227734492
Ratio Analysis Profitability%%%
Return on Assets *1.532.471.87
Operating Return on Assets *1.662.611.89
Return on Equity *19.7831.5524.31
Net Interest Margin *5.785.825.73
Fee Income / Assets *1.051.131.38
Overhead / Assets *4.984.994.96
Efficiency Ratio74.2965.4772.37
Asset Quality%%%
Nonperforming Assets / Assets0.060.050.07
Nonperforming Assets / Equity & Loss Reserves0.700.550.80
Loss Reserves / Nonperforming Loans1400.001721.431273.68
1-4 Fam Mtg + MBS / Assets14.3115.0614.13
Commercial Real Estate Loans / Assets16.7514.3412.00
Construction Loans / Assets0.720.000.04
Commercial & Industrial Loans / Assets10.9214.2517.69
Consumer Loans / Assets7.957.827.67
Capitalization%%%
Equity / Assets7.707.637.43
Tangible Capital / Tangible Assets7.647.577.36
Risk-based Capital Ratio10.1210.3010.26
Liquidity%%%
Loans / Deposits99.5094.7590.27
Non-Interest Bearing Deposits / Deposits15.7421.9624.64
Purchased Liabilities4.490.820.00

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