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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, 2016
Federal Reserve System Identifier 359650




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$18,882$19,659$20,999
Loans Receivable, Net10,54210,44910,540
Mortgage-Backed Securities171825
Investments3,5583,5493,664
Deposits16,55517,36618,766
Borrowings000
Equity2,3002,2762,208
Net Interest Income160629604
Fee Income93845
Overhead157620632
Net Operating Income165369
Net Income124561
Ratio Analysis Profitability%%%
Return on Assets *0.170.220.28
Operating Return on Assets *0.200.250.32
Return on Equity *1.491.992.79
Net Interest Margin *3.473.393.19
Fee Income / Assets *0.190.180.21
Overhead / Assets *3.122.982.93
Efficiency Ratio90.7592.1295.61
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.16
Nonperforming Assets / Equity & Loss Reserves0.000.001.39
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets21.8320.3520.09
Commercial Real Estate Loans / Assets3.923.683.77
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets9.969.199.26
Consumer Loans / Assets7.557.575.56
Capitalization%%%
Equity / Assets12.1811.5810.51
Tangible Capital / Tangible Assets12.1811.5810.51
Risk-based Capital Ratio25.0824.6121.54
Liquidity%%%
Loans / Deposits63.6860.1756.17
Non-Interest Bearing Deposits / Deposits18.1923.1426.70
Purchased Liabilities2.632.522.52

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