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 June 30, 2014
Federal Reserve System Identifier 330453




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$47,895$48,036$48,426
Loans Receivable, Net28,77128,85027,492
Mortgage-Backed Securities611693775
Investments7,7097,9837,691
Deposits40,10940,25340,680
Borrowings9212463
Equity7,1527,1287,115
Net Interest Income7711,5251,613
Fee Income306370
Overhead421856883
Net Operating Income441850924
Net Income441850924
Ratio Analysis Profitability%%%
Return on Assets *1.791.771.96
Operating Return on Assets *1.791.771.96
Return on Equity *11.9512.1313.29
Net Interest Margin *3.443.453.75
Fee Income / Assets *0.140.130.15
Overhead / Assets *1.801.781.87
Efficiency Ratio48.8450.1848.87
Asset Quality%%%
Nonperforming Assets / Assets0.290.310.00
Nonperforming Assets / Equity & Loss Reserves1.912.020.00
Loss Reserves / Nonperforming Loans170.21161.07n/a
1-4 Fam Mtg + MBS / Assets11.9612.5614.39
Commercial Real Estate Loans / Assets2.292.292.54
Construction Loans / Assets0.590.611.02
Commercial & Industrial Loans / Assets4.855.013.72
Consumer Loans / Assets2.061.782.07
Capitalization%%%
Equity / Assets14.9314.8414.69
Tangible Capital / Tangible Assets14.9314.8414.69
Risk-based Capital Ratio23.2623.4824.15
Liquidity%%%
Loans / Deposits71.7371.6767.58
Non-Interest Bearing Deposits / Deposits14.8016.1016.97
Purchased Liabilities1.972.022.27

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