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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 September 30, 2014
Federal Reserve System Identifier 360955




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$20,034$19,549$18,691
Loans Receivable, Net7,7307,3207,670
Mortgage-Backed Securities3,1702,5931,824
Investments7,9228,7337,710
Deposits17,30916,26915,804
Borrowings79922399
Equity2,5972,3502,400
Net Interest Income456544637
Fee Income212838
Overhead365451453
Net Operating Income138107254
Net Income14898186
Ratio Analysis Profitability%%%
Return on Assets *0.850.531.01
Operating Return on Assets *0.850.571.38
Return on Equity *6.584.117.87
Net Interest Margin *3.303.063.72
Fee Income / Assets *0.140.150.21
Overhead / Assets *2.592.422.46
Efficiency Ratio73.2976.7063.53
Asset Quality%%%
Nonperforming Assets / Assets1.080.010.44
Nonperforming Assets / Equity & Loss Reserves7.770.083.23
Loss Reserves / Nonperforming Loans85.197800.00241.07
1-4 Fam Mtg + MBS / Assets26.8323.9019.76
Commercial Real Estate Loans / Assets0.560.420.75
Construction Loans / Assets2.412.502.71
Commercial & Industrial Loans / Assets2.732.343.37
Consumer Loans / Assets1.321.131.27
Capitalization%%%
Equity / Assets12.9612.0212.84
Tangible Capital / Tangible Assets12.9612.0212.84
Risk-based Capital Ratio31.3131.4628.26
Liquidity%%%
Loans / Deposits44.6644.9948.53
Non-Interest Bearing Deposits / Deposits20.2319.1220.15
Purchased Liabilities10.1613.0711.39

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