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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 + (improve)
As of December 31, 2015
Federal Reserve System Identifier 360955




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$19,585$20,103$19,549
Loans Receivable, Net7,8057,3587,320
Mortgage-Backed Securities2,4723,0442,593
Investments8,0928,3648,733
Deposits16,47417,03616,269
Borrowings278347922
Equity2,7242,6322,350
Net Interest Income596598544
Fee Income232828
Overhead475496451
Net Operating Income188163107
Net Income16214798
Ratio Analysis Profitability%%%
Return on Assets *0.830.750.53
Operating Return on Assets *0.960.830.57
Return on Equity *6.115.784.11
Net Interest Margin *3.233.223.06
Fee Income / Assets *0.120.140.15
Overhead / Assets *2.432.522.42
Efficiency Ratio71.6475.8476.70
Asset Quality%%%
Nonperforming Assets / Assets0.061.060.01
Nonperforming Assets / Equity & Loss Reserves0.427.600.08
Loss Reserves / Nonperforming Loans833.3385.987800.00
1-4 Fam Mtg + MBS / Assets26.5626.7523.90
Commercial Real Estate Loans / Assets1.320.550.42
Construction Loans / Assets0.510.452.50
Commercial & Industrial Loans / Assets2.162.722.34
Consumer Loans / Assets1.591.191.13
Capitalization%%%
Equity / Assets13.9113.0912.02
Tangible Capital / Tangible Assets13.9113.0912.02
Risk-based Capital Ratio33.5730.9531.46
Liquidity%%%
Loans / Deposits47.3843.1944.99
Non-Interest Bearing Deposits / Deposits20.9219.6619.12
Purchased Liabilities9.7911.2613.07

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