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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, 2015
Federal Reserve System Identifier 360955




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$19,086$20,103$19,549
Loans Receivable, Net7,4677,3587,320
Mortgage-Backed Securities2,5933,0442,593
Investments7,8448,3648,733
Deposits15,98317,03616,269
Borrowings332347922
Equity2,6682,6322,350
Net Interest Income439598544
Fee Income162828
Overhead359496451
Net Operating Income131163107
Net Income11314798
Ratio Analysis Profitability%%%
Return on Assets *0.570.750.53
Operating Return on Assets *0.790.830.57
Return on Equity *4.265.784.11
Net Interest Margin *3.133.223.06
Fee Income / Assets *0.120.140.15
Overhead / Assets *2.492.522.42
Efficiency Ratio73.2775.8476.70
Asset Quality%%%
Nonperforming Assets / Assets0.561.060.01
Nonperforming Assets / Equity & Loss Reserves3.847.600.08
Loss Reserves / Nonperforming Loans84.9185.987800.00
1-4 Fam Mtg + MBS / Assets27.3626.7523.90
Commercial Real Estate Loans / Assets0.520.550.42
Construction Loans / Assets0.370.452.50
Commercial & Industrial Loans / Assets2.582.722.34
Consumer Loans / Assets1.551.191.13
Capitalization%%%
Equity / Assets13.9813.0912.02
Tangible Capital / Tangible Assets13.9813.0912.02
Risk-based Capital Ratio34.1030.9531.46
Liquidity%%%
Loans / Deposits46.7243.1944.99
Non-Interest Bearing Deposits / Deposits20.6619.6619.12
Purchased Liabilities10.3311.2613.07

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