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 March 31, 2014
Federal Reserve System Identifier 360955




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$19,236$19,549$18,691
Loans Receivable, Net7,1177,3207,670
Mortgage-Backed Securities2,4802,5931,824
Investments8,3948,7337,710
Deposits16,63716,26915,804
Borrowings161922399
Equity2,4072,3502,400
Net Interest Income151544637
Fee Income72838
Overhead137451453
Net Operating Income32107254
Net Income2898186
Ratio Analysis Profitability%%%
Return on Assets *0.500.531.01
Operating Return on Assets *0.540.571.38
Return on Equity *3.954.117.87
Net Interest Margin *3.163.063.72
Fee Income / Assets *0.150.150.21
Overhead / Assets *2.552.422.46
Efficiency Ratio85.6376.7063.53
Asset Quality%%%
Nonperforming Assets / Assets0.370.010.44
Nonperforming Assets / Equity & Loss Reserves2.750.083.23
Loss Reserves / Nonperforming Loans243.667800.00241.07
1-4 Fam Mtg + MBS / Assets23.5523.9019.76
Commercial Real Estate Loans / Assets0.420.420.75
Construction Loans / Assets2.532.502.71
Commercial & Industrial Loans / Assets2.302.343.37
Consumer Loans / Assets1.211.131.27
Capitalization%%%
Equity / Assets12.5112.0212.84
Tangible Capital / Tangible Assets12.5112.0212.84
Risk-based Capital Ratio32.6031.4628.26
Liquidity%%%
Loans / Deposits42.7844.9948.53
Non-Interest Bearing Deposits / Deposits18.1919.1220.15
Purchased Liabilities9.8313.0711.39

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