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SAFE & SOUND® STAR RATINGS

ALTA VISTA STATE BANK

619 MAIN STREET
ALTA VISTA, Kansas 66834

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 360955




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$19,842$20,103$19,549
Loans Receivable, Net7,3797,3587,320
Mortgage-Backed Securities2,9173,0442,593
Investments8,2158,3648,733
Deposits16,71917,03616,269
Borrowings360347922
Equity2,6252,6322,350
Net Interest Income146598544
Fee Income52828
Overhead122496451
Net Operating Income36163107
Net Income3514798
Ratio Analysis Profitability%%%
Return on Assets *0.780.750.53
Operating Return on Assets *0.850.830.57
Return on Equity *5.925.784.11
Net Interest Margin *3.173.223.06
Fee Income / Assets *0.130.140.15
Overhead / Assets *2.432.522.42
Efficiency Ratio77.2275.8476.70
Asset Quality%%%
Nonperforming Assets / Assets1.341.060.01
Nonperforming Assets / Equity & Loss Reserves9.447.600.08
Loss Reserves / Nonperforming Loans68.6885.987800.00
1-4 Fam Mtg + MBS / Assets27.1526.7523.90
Commercial Real Estate Loans / Assets0.540.550.42
Construction Loans / Assets0.460.452.50
Commercial & Industrial Loans / Assets2.872.722.34
Consumer Loans / Assets1.211.191.13
Capitalization%%%
Equity / Assets13.2313.0912.02
Tangible Capital / Tangible Assets13.2313.0912.02
Risk-based Capital Ratio30.6430.9531.46
Liquidity%%%
Loans / Deposits44.1443.1944.99
Non-Interest Bearing Deposits / Deposits20.1219.6619.12
Purchased Liabilities10.5311.2613.07

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