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SAFE & SOUND® STAR RATINGS

ALTURA STATE BANK

411 NORTH MAIN STREET
ALTURA, Minnesota 55910

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 330453




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$47,776$48,330$47,757
Loans Receivable, Net30,11029,40528,763
Mortgage-Backed Securities379402534
Investments6,5157,9858,242
Deposits39,61240,21039,798
Borrowings767687
Equity7,6637,6007,377
Net Interest Income3681,5621,551
Fee Income115457
Overhead394885879
Net Operating Income9827853
Net Income9827853
Ratio Analysis Profitability%%%
Return on Assets *1.321.711.77
Operating Return on Assets *1.321.711.77
Return on Equity *8.4911.0911.68
Net Interest Margin *3.503.533.51
Fee Income / Assets *0.110.110.12
Overhead / Assets *2.201.831.82
Efficiency Ratio97.7751.6950.75
Asset Quality%%%
Nonperforming Assets / Assets0.680.560.28
Nonperforming Assets / Equity & Loss Reserves4.093.481.76
Loss Reserves / Nonperforming Loans74.6187.91179.10
1-4 Fam Mtg + MBS / Assets9.129.1111.33
Commercial Real Estate Loans / Assets2.372.102.28
Construction Loans / Assets0.210.220.58
Commercial & Industrial Loans / Assets6.035.833.88
Consumer Loans / Assets2.462.302.71
Capitalization%%%
Equity / Assets16.0415.7315.45
Tangible Capital / Tangible Assets16.0415.7315.45
Risk-based Capital Ratio23.1922.9523.86
Liquidity%%%
Loans / Deposits76.0173.1372.27
Non-Interest Bearing Deposits / Deposits16.7219.1416.58
Purchased Liabilities0.950.991.97

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