SAFE & SOUND® STAR RATINGS

Financial statement

ALTURA STATE BANK
411 NORTH MAIN STREET
ALTURA, Minnesota 55910

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 330453




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$48,036$48,426$46,641
Loans Receivable, Net28,85027,49228,543
Mortgage-Backed Securities693775697
Investments7,9837,6917,830
Deposits40,25340,68039,090
Borrowings1246359
Equity7,1287,1156,880
Net Interest Income1,5251,6131,618
Fee Income637063
Overhead856883971
Net Operating Income850924824
Net Income850924824
Ratio Analysis Profitability%%%
Return on Assets *1.771.961.78
Operating Return on Assets *1.771.961.78
Return on Equity *12.1313.2912.42
Net Interest Margin *3.453.753.83
Fee Income / Assets *0.130.150.14
Overhead / Assets *1.781.872.10
Efficiency Ratio50.1848.8754.09
Asset Quality%%%
Nonperforming Assets / Assets0.310.000.78
Nonperforming Assets / Equity & Loss Reserves2.020.005.13
Loss Reserves / Nonperforming Loans161.07n/a0.84
1-4 Fam Mtg + MBS / Assets12.5614.3915.29
Commercial Real Estate Loans / Assets2.292.543.33
Construction Loans / Assets0.611.021.26
Commercial & Industrial Loans / Assets5.013.724.55
Consumer Loans / Assets1.782.072.09
Capitalization%%%
Equity / Assets14.8414.6914.75
Tangible Capital / Tangible Assets14.8414.6914.75
Risk-based Capital Ratio23.4824.1522.31
Liquidity%%%
Loans / Deposits71.6767.5873.02
Non-Interest Bearing Deposits / Deposits16.1016.9713.84
Purchased Liabilities2.022.2710.04

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