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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 December 31, 2015
Federal Reserve System Identifier 330453




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$48,330$47,757$48,036
Loans Receivable, Net29,40528,76328,850
Mortgage-Backed Securities402534693
Investments7,9858,2427,983
Deposits40,21039,79840,253
Borrowings7687124
Equity7,6007,3777,128
Net Interest Income1,5621,5511,525
Fee Income545763
Overhead885879856
Net Operating Income827853850
Net Income827853850
Ratio Analysis Profitability%%%
Return on Assets *1.711.771.77
Operating Return on Assets *1.711.771.77
Return on Equity *11.0911.6812.13
Net Interest Margin *3.533.513.45
Fee Income / Assets *0.110.120.13
Overhead / Assets *1.831.821.78
Efficiency Ratio51.6950.7550.18
Asset Quality%%%
Nonperforming Assets / Assets0.560.280.31
Nonperforming Assets / Equity & Loss Reserves3.481.762.02
Loss Reserves / Nonperforming Loans87.91179.10161.07
1-4 Fam Mtg + MBS / Assets9.1111.3312.56
Commercial Real Estate Loans / Assets2.102.282.29
Construction Loans / Assets0.220.580.61
Commercial & Industrial Loans / Assets5.833.885.01
Consumer Loans / Assets2.302.711.78
Capitalization%%%
Equity / Assets15.7315.4514.84
Tangible Capital / Tangible Assets15.7315.4514.84
Risk-based Capital Ratio22.9523.8623.48
Liquidity%%%
Loans / Deposits73.1372.2771.67
Non-Interest Bearing Deposits / Deposits19.1416.5816.10
Purchased Liabilities0.991.972.02

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