SAFE & SOUND® STAR RATINGS

Financial statement

ALTA VISTA STATE BANK
619 MAIN STREET
ALTA VISTA, Kansas 66834

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 360955




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$19,549$18,691$18,186
Loans Receivable, Net7,3207,6708,185
Mortgage-Backed Securities2,5931,8241,091
Investments8,7337,7107,510
Deposits16,26915,80415,430
Borrowings922399340
Equity2,3502,4002,325
Net Interest Income544637669
Fee Income283850
Overhead451453417
Net Operating Income107254260
Net Income98186176
Ratio Analysis Profitability%%%
Return on Assets *0.531.010.94
Operating Return on Assets *0.571.381.40
Return on Equity *4.117.877.82
Net Interest Margin *3.063.723.95
Fee Income / Assets *0.150.210.27
Overhead / Assets *2.422.462.25
Efficiency Ratio76.7063.5357.36
Asset Quality%%%
Nonperforming Assets / Assets0.010.441.42
Nonperforming Assets / Equity & Loss Reserves0.083.2310.29
Loss Reserves / Nonperforming Loans7800.00241.072.22
1-4 Fam Mtg + MBS / Assets23.9019.7617.61
Commercial Real Estate Loans / Assets0.420.750.65
Construction Loans / Assets2.502.713.54
Commercial & Industrial Loans / Assets2.343.375.14
Consumer Loans / Assets1.131.271.46
Capitalization%%%
Equity / Assets12.0212.8412.78
Tangible Capital / Tangible Assets12.0212.8412.78
Risk-based Capital Ratio31.4628.2627.32
Liquidity%%%
Loans / Deposits44.9948.5353.05
Non-Interest Bearing Deposits / Deposits19.1220.1517.74
Purchased Liabilities13.0711.3924.67

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