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SAFE & SOUND® STAR RATINGS

ALTURA STATE BANK

411 NORTH MAIN STREET
ALTURA, Minnesota 55910

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 330453




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$48,705$48,036$48,426
Loans Receivable, Net28,93828,85027,492
Mortgage-Backed Securities571693775
Investments7,4547,9837,691
Deposits40,79240,25340,680
Borrowings8712463
Equity7,2857,1287,115
Net Interest Income1,1631,5251,613
Fee Income446370
Overhead639856883
Net Operating Income659850924
Net Income659850924
Ratio Analysis Profitability%%%
Return on Assets *1.831.771.96
Operating Return on Assets *1.831.771.96
Return on Equity *12.2912.1313.29
Net Interest Margin *3.533.453.75
Fee Income / Assets *0.130.130.15
Overhead / Assets *1.791.781.87
Efficiency Ratio49.2350.1848.87
Asset Quality%%%
Nonperforming Assets / Assets0.280.310.00
Nonperforming Assets / Equity & Loss Reserves1.822.020.00
Loss Reserves / Nonperforming Loans175.18161.07n/a
1-4 Fam Mtg + MBS / Assets11.7312.5614.39
Commercial Real Estate Loans / Assets2.222.292.54
Construction Loans / Assets0.570.611.02
Commercial & Industrial Loans / Assets4.555.013.72
Consumer Loans / Assets1.811.782.07
Capitalization%%%
Equity / Assets14.9614.8414.69
Tangible Capital / Tangible Assets14.9614.8414.69
Risk-based Capital Ratio23.4423.4824.15
Liquidity%%%
Loans / Deposits70.9471.6767.58
Non-Interest Bearing Deposits / Deposits16.5316.1016.97
Purchased Liabilities1.942.022.27

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