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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, 2012
Federal Reserve System Identifier 330453




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$48,426$46,641$45,536
Loans Receivable, Net27,49228,54330,158
Mortgage-Backed Securities775697784
Investments7,6917,8307,584
Deposits40,68039,09038,302
Borrowings635983
Equity7,1156,8806,488
Net Interest Income1,6131,6181,626
Fee Income706368
Overhead883971993
Net Operating Income924824820
Net Income924824820
Ratio Analysis Profitability%%%
Return on Assets *1.961.781.80
Operating Return on Assets *1.961.781.80
Return on Equity *13.2912.4212.84
Net Interest Margin *3.753.834.05
Fee Income / Assets *0.150.140.15
Overhead / Assets *1.872.102.18
Efficiency Ratio48.8754.0954.77
Asset Quality%%%
Nonperforming Assets / Assets0.000.780.45
Nonperforming Assets / Equity & Loss Reserves0.005.133.03
Loss Reserves / Nonperforming Loansn/a0.840.85
1-4 Fam Mtg + MBS / Assets14.3915.2917.09
Commercial Real Estate Loans / Assets2.543.333.91
Construction Loans / Assets1.021.261.66
Commercial & Industrial Loans / Assets3.724.554.34
Consumer Loans / Assets2.072.092.21
Capitalization%%%
Equity / Assets14.6914.7514.25
Tangible Capital / Tangible Assets14.6914.7514.25
Risk-based Capital Ratio24.1522.3120.85
Liquidity%%%
Loans / Deposits67.5873.0278.74
Non-Interest Bearing Deposits / Deposits16.9713.8412.03
Purchased Liabilities2.2710.0411.38

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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