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SAFE & SOUND® STAR RATINGS

ALTA VISTA STATE BANK

619 MAIN STREET
ALTA VISTA, Kansas 66834

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 360955




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$19,307$19,585$20,103
Loans Receivable, Net8,1437,8057,358
Mortgage-Backed Securities1,5092,4723,044
Investments8,3338,0928,364
Deposits16,32016,47417,036
Borrowings95278347
Equity2,7792,7242,632
Net Interest Income158596598
Fee Income72328
Overhead120475496
Net Operating Income62188163
Net Income82162147
Ratio Analysis Profitability%%%
Return on Assets *1.070.830.75
Operating Return on Assets *1.100.960.83
Return on Equity *7.776.115.78
Net Interest Margin *3.323.233.22
Fee Income / Assets *0.130.120.14
Overhead / Assets *2.432.432.52
Efficiency Ratio65.9371.6475.84
Asset Quality%%%
Nonperforming Assets / Assets0.070.061.06
Nonperforming Assets / Equity & Loss Reserves0.490.427.60
Loss Reserves / Nonperforming Loans721.43833.3385.98
1-4 Fam Mtg + MBS / Assets23.5126.5626.75
Commercial Real Estate Loans / Assets1.621.320.55
Construction Loans / Assets0.780.510.45
Commercial & Industrial Loans / Assets2.382.162.72
Consumer Loans / Assets1.801.591.19
Capitalization%%%
Equity / Assets14.3913.9113.09
Tangible Capital / Tangible Assets14.3913.9113.09
Risk-based Capital Ratio32.6433.5730.95
Liquidity%%%
Loans / Deposits49.9047.3843.19
Non-Interest Bearing Deposits / Deposits20.4620.9219.66
Purchased Liabilities9.029.7911.26

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