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 June 30, 2014
Federal Reserve System Identifier 360955




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$19,449$19,549$18,691
Loans Receivable, Net7,5067,3207,670
Mortgage-Backed Securities2,7672,5931,824
Investments7,9948,7337,710
Deposits16,60916,26915,804
Borrowings265922399
Equity2,5452,3502,400
Net Interest Income300544637
Fee Income132838
Overhead247451453
Net Operating Income96107254
Net Income11898186
Ratio Analysis Profitability%%%
Return on Assets *0.890.531.01
Operating Return on Assets *0.810.571.38
Return on Equity *7.034.117.87
Net Interest Margin *3.203.063.72
Fee Income / Assets *0.150.150.21
Overhead / Assets *2.572.422.46
Efficiency Ratio75.3076.7063.53
Asset Quality%%%
Nonperforming Assets / Assets1.470.010.44
Nonperforming Assets / Equity & Loss Reserves10.480.083.23
Loss Reserves / Nonperforming Loans61.057800.00241.07
1-4 Fam Mtg + MBS / Assets24.7123.9019.76
Commercial Real Estate Loans / Assets0.600.420.75
Construction Loans / Assets2.492.502.71
Commercial & Industrial Loans / Assets2.742.343.37
Consumer Loans / Assets1.271.131.27
Capitalization%%%
Equity / Assets13.0912.0212.84
Tangible Capital / Tangible Assets13.0912.0212.84
Risk-based Capital Ratio31.9031.4628.26
Liquidity%%%
Loans / Deposits45.1944.9948.53
Non-Interest Bearing Deposits / Deposits18.0019.1220.15
Purchased Liabilities10.2513.0711.39

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