Safe & Sound » Bank Ratings » ALDEN STATE BANK, THE


SAFE & SOUND® STAR RATINGS

ALDEN STATE BANK, THE

124 NORTH BROADWAY
STERLING, Kansas 67579

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 359650




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$21,893$20,362$18,625
Loans Receivable, Net10,0969,4848,704
Mortgage-Backed Securities273747
Investments4,0704,0563,348
Deposits19,65418,19916,409
Borrowings000
Equity2,2032,1442,163
Net Interest Income444601582
Fee Income344650
Overhead457630645
Net Operating Income333247
Net Income293349
Ratio Analysis Profitability%%%
Return on Assets *0.190.160.25
Operating Return on Assets *0.190.160.24
Return on Equity *1.841.542.26
Net Interest Margin *3.233.353.52
Fee Income / Assets *0.220.230.26
Overhead / Assets *2.933.103.33
Efficiency Ratio94.0395.1799.38
Asset Quality%%%
Nonperforming Assets / Assets0.150.001.26
Nonperforming Assets / Equity & Loss Reserves1.390.0010.02
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets18.3418.0218.94
Commercial Real Estate Loans / Assets3.373.163.70
Construction Loans / Assets0.000.000.56
Commercial & Industrial Loans / Assets8.977.526.52
Consumer Loans / Assets5.255.625.55
Capitalization%%%
Equity / Assets10.0610.5311.61
Tangible Capital / Tangible Assets10.0610.5311.61
Risk-based Capital Ratio21.3522.6823.55
Liquidity%%%
Loans / Deposits51.3752.1153.04
Non-Interest Bearing Deposits / Deposits25.3426.9521.38
Purchased Liabilities2.412.592.82

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

Connect with us