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SAFE & SOUND® STAR RATINGS

ALTURA STATE BANK

411 NORTH MAIN STREET
ALTURA, Minnesota 55910

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 330453




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$47,757$48,036$48,426
Loans Receivable, Net28,76328,85027,492
Mortgage-Backed Securities534693775
Investments8,2427,9837,691
Deposits39,79840,25340,680
Borrowings8712463
Equity7,3777,1287,115
Net Interest Income1,5511,5251,613
Fee Income576370
Overhead879856883
Net Operating Income853850924
Net Income853850924
Ratio Analysis Profitability%%%
Return on Assets *1.771.771.96
Operating Return on Assets *1.771.771.96
Return on Equity *11.6812.1313.29
Net Interest Margin *3.513.453.75
Fee Income / Assets *0.120.130.15
Overhead / Assets *1.821.781.87
Efficiency Ratio50.7550.1848.87
Asset Quality%%%
Nonperforming Assets / Assets0.280.310.00
Nonperforming Assets / Equity & Loss Reserves1.762.020.00
Loss Reserves / Nonperforming Loans179.10161.07n/a
1-4 Fam Mtg + MBS / Assets11.3312.5614.39
Commercial Real Estate Loans / Assets2.282.292.54
Construction Loans / Assets0.580.611.02
Commercial & Industrial Loans / Assets3.885.013.72
Consumer Loans / Assets2.711.782.07
Capitalization%%%
Equity / Assets15.4514.8414.69
Tangible Capital / Tangible Assets15.4514.8414.69
Risk-based Capital Ratio23.8623.4824.15
Liquidity%%%
Loans / Deposits72.2771.6767.58
Non-Interest Bearing Deposits / Deposits16.5816.1016.97
Purchased Liabilities1.972.022.27

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