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 March 31, 2014
Federal Reserve System Identifier 330453




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$48,077$48,036$48,426
Loans Receivable, Net29,13428,85027,492
Mortgage-Backed Securities648693775
Investments7,9937,9837,691
Deposits40,04740,25340,680
Borrowings9212463
Equity7,3957,1287,115
Net Interest Income3861,5251,613
Fee Income156370
Overhead207856883
Net Operating Income225850924
Net Income225850924
Ratio Analysis Profitability%%%
Return on Assets *1.761.771.96
Operating Return on Assets *1.761.771.96
Return on Equity *11.9112.1313.29
Net Interest Margin *3.423.453.75
Fee Income / Assets *0.130.130.15
Overhead / Assets *1.791.781.87
Efficiency Ratio47.9250.1848.87
Asset Quality%%%
Nonperforming Assets / Assets0.300.310.00
Nonperforming Assets / Equity & Loss Reserves1.902.020.00
Loss Reserves / Nonperforming Loans165.52161.07n/a
1-4 Fam Mtg + MBS / Assets12.2812.5614.39
Commercial Real Estate Loans / Assets2.332.292.54
Construction Loans / Assets0.600.611.02
Commercial & Industrial Loans / Assets5.355.013.72
Consumer Loans / Assets1.771.782.07
Capitalization%%%
Equity / Assets15.3814.8414.69
Tangible Capital / Tangible Assets15.3814.8414.69
Risk-based Capital Ratio23.9223.4824.15
Liquidity%%%
Loans / Deposits72.7571.6767.58
Non-Interest Bearing Deposits / Deposits17.0816.1016.97
Purchased Liabilities1.952.022.27

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