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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 September 30, 2015
Federal Reserve System Identifier 330453




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$47,592$47,757$48,036
Loans Receivable, Net29,46528,76328,850
Mortgage-Backed Securities435534693
Investments8,4308,2427,983
Deposits39,62339,79840,253
Borrowings7787124
Equity7,3997,3777,128
Net Interest Income1,1611,5511,525
Fee Income455763
Overhead658879856
Net Operating Income618853850
Net Income618853850
Ratio Analysis Profitability%%%
Return on Assets *1.671.771.77
Operating Return on Assets *1.671.771.77
Return on Equity *10.9711.6812.13
Net Interest Margin *3.493.513.45
Fee Income / Assets *0.120.120.13
Overhead / Assets *1.851.821.78
Efficiency Ratio51.5750.7550.18
Asset Quality%%%
Nonperforming Assets / Assets1.220.280.31
Nonperforming Assets / Equity & Loss Reserves7.631.762.02
Loss Reserves / Nonperforming Loans41.17179.10161.07
1-4 Fam Mtg + MBS / Assets9.8611.3312.56
Commercial Real Estate Loans / Assets2.192.282.29
Construction Loans / Assets0.220.580.61
Commercial & Industrial Loans / Assets5.613.885.01
Consumer Loans / Assets2.392.711.78
Capitalization%%%
Equity / Assets15.5515.4514.84
Tangible Capital / Tangible Assets15.5515.4514.84
Risk-based Capital Ratio22.6023.8623.48
Liquidity%%%
Loans / Deposits74.3672.2771.67
Non-Interest Bearing Deposits / Deposits16.7816.5816.10
Purchased Liabilities1.001.972.02

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