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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, 2012
Federal Reserve System Identifier 359650




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$18,625$19,672$19,133
Loans Receivable, Net8,7048,87910,892
Mortgage-Backed Securities476178
Investments3,3483,3223,067
Deposits16,40917,46317,111
Borrowings000
Equity2,1632,1241,985
Net Interest Income582646678
Fee Income504955
Overhead645675690
Net Operating Income477955
Net Income496662
Ratio Analysis Profitability%%%
Return on Assets *0.250.340.30
Operating Return on Assets *0.240.400.27
Return on Equity *2.263.163.09
Net Interest Margin *3.523.793.79
Fee Income / Assets *0.260.250.27
Overhead / Assets *3.333.483.41
Efficiency Ratio99.3893.7592.62
Asset Quality%%%
Nonperforming Assets / Assets1.260.462.12
Nonperforming Assets / Equity & Loss Reserves10.023.9018.68
Loss Reserves / Nonperforming Loansn/a2.061.68
1-4 Fam Mtg + MBS / Assets18.9419.3221.02
Commercial Real Estate Loans / Assets3.703.546.03
Construction Loans / Assets0.560.180.00
Commercial & Industrial Loans / Assets6.523.676.40
Consumer Loans / Assets5.555.816.63
Capitalization%%%
Equity / Assets11.6110.8010.37
Tangible Capital / Tangible Assets11.6110.8010.37
Risk-based Capital Ratio23.5521.7319.65
Liquidity%%%
Loans / Deposits53.0450.8463.66
Non-Interest Bearing Deposits / Deposits21.3817.8314.42
Purchased Liabilities2.8216.4919.72

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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