Safe & Sound » Bank Ratings » ALMENA STATE BANK


SAFE & SOUND® STAR RATINGS

ALMENA STATE BANK

500 MAIN STREET
ALMENA, Kansas 67622

STAR RATING: 5 starstarstarstarstar G
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 224552




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$63,266$33,691$30,319
Loans Receivable, Net55,34530,19626,516
Mortgage-Backed Securities681874990
Investments3,162208208
Deposits54,34629,68327,984
Borrowings3,1331,3780
Equity5,6332,6102,314
Net Interest Income2,3151,7521,597
Fee Income389339335
Overhead2,0821,6011,483
Net Operating Income1,424565776
Net Income1,402546734
Ratio Analysis Profitability%%%
Return on Assets *3.031.682.47
Operating Return on Assets *3.071.742.61
Return on Equity *33.8321.8031.55
Net Interest Margin *5.115.745.82
Fee Income / Assets *0.841.041.13
Overhead / Assets *4.494.934.99
Efficiency Ratio56.1372.4165.47
Asset Quality%%%
Nonperforming Assets / Assets0.200.030.05
Nonperforming Assets / Equity & Loss Reserves2.100.380.55
Loss Reserves / Nonperforming Loans367.972463.641721.43
1-4 Fam Mtg + MBS / Assets12.4614.7315.06
Commercial Real Estate Loans / Assets19.0615.9814.34
Construction Loans / Assets0.710.300.00
Commercial & Industrial Loans / Assets18.4414.1114.25
Consumer Loans / Assets6.198.117.82
Capitalization%%%
Equity / Assets8.907.757.63
Tangible Capital / Tangible Assets8.357.697.57
Risk-based Capital Ratio11.1910.1110.30
Liquidity%%%
Loans / Deposits101.84101.7394.75
Non-Interest Bearing Deposits / Deposits20.8722.1921.96
Purchased Liabilities6.216.460.82

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

Connect with us