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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 March 31, 2015
Federal Reserve System Identifier 359650




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$20,957$20,999$20,362
Loans Receivable, Net10,41310,5409,484
Mortgage-Backed Securities222537
Investments3,6893,6644,056
Deposits18,66218,76618,199
Borrowings000
Equity2,2542,2082,144
Net Interest Income155604601
Fee Income94546
Overhead141632630
Net Operating Income286932
Net Income236133
Ratio Analysis Profitability%%%
Return on Assets *0.370.280.16
Operating Return on Assets *0.420.320.16
Return on Equity *3.612.791.54
Net Interest Margin *3.273.193.35
Fee Income / Assets *0.200.210.23
Overhead / Assets *2.852.933.10
Efficiency Ratio83.4395.6195.17
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 / Assets20.0420.0918.02
Commercial Real Estate Loans / Assets3.863.773.16
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets9.749.267.52
Consumer Loans / Assets5.735.565.62
Capitalization%%%
Equity / Assets10.7610.5110.53
Tangible Capital / Tangible Assets10.7610.5110.53
Risk-based Capital Ratio23.9821.5422.68
Liquidity%%%
Loans / Deposits55.8056.1752.11
Non-Interest Bearing Deposits / Deposits24.1726.7026.95
Purchased Liabilities2.512.522.59

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