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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, 2014
Federal Reserve System Identifier 359650




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$20,999$20,362$18,625
Loans Receivable, Net10,5409,4848,704
Mortgage-Backed Securities253747
Investments3,6644,0563,348
Deposits18,76618,19916,409
Borrowings000
Equity2,2082,1442,163
Net Interest Income604601582
Fee Income454650
Overhead632630645
Net Operating Income693247
Net Income613349
Ratio Analysis Profitability%%%
Return on Assets *0.280.160.25
Operating Return on Assets *0.320.160.24
Return on Equity *2.791.542.26
Net Interest Margin *3.193.353.52
Fee Income / Assets *0.210.230.26
Overhead / Assets *2.933.103.33
Efficiency Ratio95.6195.1799.38
Asset Quality%%%
Nonperforming Assets / Assets0.160.001.26
Nonperforming Assets / Equity & Loss Reserves1.390.0010.02
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets20.0918.0218.94
Commercial Real Estate Loans / Assets3.773.163.70
Construction Loans / Assets0.000.000.56
Commercial & Industrial Loans / Assets9.267.526.52
Consumer Loans / Assets5.565.625.55
Capitalization%%%
Equity / Assets10.5110.5311.61
Tangible Capital / Tangible Assets10.5110.5311.61
Risk-based Capital Ratio21.5422.6823.55
Liquidity%%%
Loans / Deposits56.1752.1153.04
Non-Interest Bearing Deposits / Deposits26.7026.9521.38
Purchased Liabilities2.522.592.82

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