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 June 30, 2014
Federal Reserve System Identifier 359650




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$20,737$20,362$18,625
Loans Receivable, Net9,6929,4848,704
Mortgage-Backed Securities303747
Investments4,0934,0563,348
Deposits18,51418,19916,409
Borrowings000
Equity2,1892,1442,163
Net Interest Income291601582
Fee Income234650
Overhead310630645
Net Operating Income143247
Net Income133349
Ratio Analysis Profitability%%%
Return on Assets *0.180.160.25
Operating Return on Assets *0.170.160.24
Return on Equity *1.711.542.26
Net Interest Margin *3.203.353.52
Fee Income / Assets *0.220.230.26
Overhead / Assets *2.963.103.33
Efficiency Ratio96.8895.1799.38
Asset Quality%%%
Nonperforming Assets / Assets0.160.001.26
Nonperforming Assets / Equity & Loss Reserves1.400.0010.02
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets17.3318.0218.94
Commercial Real Estate Loans / Assets2.973.163.70
Construction Loans / Assets0.000.000.56
Commercial & Industrial Loans / Assets9.397.526.52
Consumer Loans / Assets5.335.625.55
Capitalization%%%
Equity / Assets10.5610.5311.61
Tangible Capital / Tangible Assets10.5610.5311.61
Risk-based Capital Ratio21.9022.6823.55
Liquidity%%%
Loans / Deposits52.3552.1153.04
Non-Interest Bearing Deposits / Deposits22.6626.9521.38
Purchased Liabilities2.542.592.82

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