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 March 31, 2014
Federal Reserve System Identifier 359650




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$21,226$20,362$18,625
Loans Receivable, Net9,2359,4848,704
Mortgage-Backed Securities333747
Investments4,0654,0563,348
Deposits19,04018,19916,409
Borrowings000
Equity2,1592,1442,163
Net Interest Income143601582
Fee Income114650
Overhead156630645
Net Operating Income63247
Net Income43349
Ratio Analysis Profitability%%%
Return on Assets *0.150.160.25
Operating Return on Assets *0.150.160.24
Return on Equity *1.401.542.26
Net Interest Margin *3.263.353.52
Fee Income / Assets *0.220.230.26
Overhead / Assets *3.063.103.33
Efficiency Ratio98.7395.1799.38
Asset Quality%%%
Nonperforming Assets / Assets0.160.001.26
Nonperforming Assets / Equity & Loss Reserves1.420.0010.02
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets16.8918.0218.94
Commercial Real Estate Loans / Assets2.863.163.70
Construction Loans / Assets0.000.000.56
Commercial & Industrial Loans / Assets7.597.526.52
Consumer Loans / Assets5.235.625.55
Capitalization%%%
Equity / Assets10.1710.5311.61
Tangible Capital / Tangible Assets10.1710.5311.61
Risk-based Capital Ratio22.3822.6823.55
Liquidity%%%
Loans / Deposits48.5052.1153.04
Non-Interest Bearing Deposits / Deposits21.9026.9521.38
Purchased Liabilities2.482.592.82

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