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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 December 31, 2014
Federal Reserve System Identifier 360955




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$20,103$19,549$18,691
Loans Receivable, Net7,3587,3207,670
Mortgage-Backed Securities3,0442,5931,824
Investments8,3648,7337,710
Deposits17,03616,26915,804
Borrowings347922399
Equity2,6322,3502,400
Net Interest Income598544637
Fee Income282838
Overhead496451453
Net Operating Income163107254
Net Income14798186
Ratio Analysis Profitability%%%
Return on Assets *0.750.531.01
Operating Return on Assets *0.830.571.38
Return on Equity *5.784.117.87
Net Interest Margin *3.223.063.72
Fee Income / Assets *0.140.150.21
Overhead / Assets *2.522.422.46
Efficiency Ratio75.8476.7063.53
Asset Quality%%%
Nonperforming Assets / Assets1.060.010.44
Nonperforming Assets / Equity & Loss Reserves7.600.083.23
Loss Reserves / Nonperforming Loans85.987800.00241.07
1-4 Fam Mtg + MBS / Assets26.7523.9019.76
Commercial Real Estate Loans / Assets0.550.420.75
Construction Loans / Assets0.452.502.71
Commercial & Industrial Loans / Assets2.722.343.37
Consumer Loans / Assets1.191.131.27
Capitalization%%%
Equity / Assets13.0912.0212.84
Tangible Capital / Tangible Assets13.0912.0212.84
Risk-based Capital Ratio30.9531.4628.26
Liquidity%%%
Loans / Deposits43.1944.9948.53
Non-Interest Bearing Deposits / Deposits19.6619.1220.15
Purchased Liabilities11.2613.0711.39

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