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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, 2012
Federal Reserve System Identifier 360955




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$18,691$18,186$18,655
Loans Receivable, Net7,6708,1858,609
Mortgage-Backed Securities1,8241,0912,926
Investments7,7107,5106,099
Deposits15,80415,43016,000
Borrowings399340367
Equity2,4002,3252,140
Net Interest Income637669654
Fee Income385040
Overhead453417463
Net Operating Income254260231
Net Income186176160
Ratio Analysis Profitability%%%
Return on Assets *1.010.940.85
Operating Return on Assets *1.381.401.23
Return on Equity *7.877.827.74
Net Interest Margin *3.723.953.80
Fee Income / Assets *0.210.270.21
Overhead / Assets *2.462.252.48
Efficiency Ratio63.5357.3665.86
Asset Quality%%%
Nonperforming Assets / Assets0.441.421.43
Nonperforming Assets / Equity & Loss Reserves3.2310.2911.47
Loss Reserves / Nonperforming Loans241.072.222.18
1-4 Fam Mtg + MBS / Assets19.7617.6125.93
Commercial Real Estate Loans / Assets0.750.651.13
Construction Loans / Assets2.713.544.32
Commercial & Industrial Loans / Assets3.375.145.18
Consumer Loans / Assets1.271.461.82
Capitalization%%%
Equity / Assets12.8412.7811.47
Tangible Capital / Tangible Assets12.8412.7811.47
Risk-based Capital Ratio28.2627.3224.38
Liquidity%%%
Loans / Deposits48.5353.0553.81
Non-Interest Bearing Deposits / Deposits20.1517.7415.09
Purchased Liabilities11.3924.6725.45

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
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