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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 March 31, 2015
Federal Reserve System Identifier 330453




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$48,266$47,757$48,036
Loans Receivable, Net29,03128,76328,850
Mortgage-Backed Securities502534693
Investments7,9868,2427,983
Deposits40,11739,79840,253
Borrowings8787124
Equity7,5927,3777,128
Net Interest Income3801,5511,525
Fee Income145763
Overhead217879856
Net Operating Income201853850
Net Income201853850
Ratio Analysis Profitability%%%
Return on Assets *1.711.771.77
Operating Return on Assets *1.711.771.77
Return on Equity *11.2811.6812.13
Net Interest Margin *3.513.513.45
Fee Income / Assets *0.120.120.13
Overhead / Assets *1.831.821.78
Efficiency Ratio51.9150.7550.18
Asset Quality%%%
Nonperforming Assets / Assets0.640.280.31
Nonperforming Assets / Equity & Loss Reserves3.971.762.02
Loss Reserves / Nonperforming Loans77.17179.10161.07
1-4 Fam Mtg + MBS / Assets10.9011.3312.56
Commercial Real Estate Loans / Assets2.252.282.29
Construction Loans / Assets0.220.580.61
Commercial & Industrial Loans / Assets3.703.885.01
Consumer Loans / Assets2.642.711.78
Capitalization%%%
Equity / Assets15.7315.4514.84
Tangible Capital / Tangible Assets15.7315.4514.84
Risk-based Capital Ratio23.6823.8623.48
Liquidity%%%
Loans / Deposits72.3772.2771.67
Non-Interest Bearing Deposits / Deposits15.4616.5816.10
Purchased Liabilities1.951.972.02

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