SAFE & SOUND® STAR RATINGS

Financial statement

ALDEN STATE BANK, THE
124 NORTH BROADWAY
STERLING, Kansas 67579

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 359650




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$20,362$18,625$19,672
Loans Receivable, Net9,4848,7048,879
Mortgage-Backed Securities374761
Investments4,0563,3483,322
Deposits18,19916,40917,463
Borrowings000
Equity2,1442,1632,124
Net Interest Income601582646
Fee Income465049
Overhead630645675
Net Operating Income324779
Net Income334966
Ratio Analysis Profitability%%%
Return on Assets *0.160.250.34
Operating Return on Assets *0.160.240.40
Return on Equity *1.542.263.16
Net Interest Margin *3.353.523.79
Fee Income / Assets *0.230.260.25
Overhead / Assets *3.103.333.48
Efficiency Ratio95.1799.3893.75
Asset Quality%%%
Nonperforming Assets / Assets0.001.260.46
Nonperforming Assets / Equity & Loss Reserves0.0010.023.90
Loss Reserves / Nonperforming Loansn/an/a2.06
1-4 Fam Mtg + MBS / Assets18.0218.9419.32
Commercial Real Estate Loans / Assets3.163.703.54
Construction Loans / Assets0.000.560.18
Commercial & Industrial Loans / Assets7.526.523.67
Consumer Loans / Assets5.625.555.81
Capitalization%%%
Equity / Assets10.5311.6110.80
Tangible Capital / Tangible Assets10.5311.6110.80
Risk-based Capital Ratio22.6823.5521.73
Liquidity%%%
Loans / Deposits52.1153.0450.84
Non-Interest Bearing Deposits / Deposits26.9521.3817.83
Purchased Liabilities2.592.8216.49

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