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SAFE & SOUND® STAR RATINGS

ALDEN STATE BANK, THE

124 NORTH BROADWAY
STERLING, Kansas 67579

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 359650




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$19,659$20,999$20,362
Loans Receivable, Net10,44910,5409,484
Mortgage-Backed Securities182537
Investments3,5493,6644,056
Deposits17,36618,76618,199
Borrowings000
Equity2,2762,2082,144
Net Interest Income629604601
Fee Income384546
Overhead620632630
Net Operating Income536932
Net Income456133
Ratio Analysis Profitability%%%
Return on Assets *0.220.280.16
Operating Return on Assets *0.250.320.16
Return on Equity *1.992.791.54
Net Interest Margin *3.393.193.35
Fee Income / Assets *0.180.210.23
Overhead / Assets *2.982.933.10
Efficiency Ratio92.1295.6195.17
Asset Quality%%%
Nonperforming Assets / Assets0.000.160.00
Nonperforming Assets / Equity & Loss Reserves0.001.390.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets20.3520.0918.02
Commercial Real Estate Loans / Assets3.683.773.16
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets9.199.267.52
Consumer Loans / Assets7.575.565.62
Capitalization%%%
Equity / Assets11.5810.5110.53
Tangible Capital / Tangible Assets11.5810.5110.53
Risk-based Capital Ratio24.6121.5422.68
Liquidity%%%
Loans / Deposits60.1756.1752.11
Non-Interest Bearing Deposits / Deposits23.1426.7026.95
Purchased Liabilities2.522.522.59

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