SAFE & SOUND® STAR RATINGS

Financial statement

ANDOVER STATE BANK
511 N. ANDOVER ROAD
ANDOVER, Kansas 67002

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 225054




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$71,220$68,656$69,773
Loans Receivable, Net58,67956,56759,858
Mortgage-Backed Securities468517784
Investments1,1361,154195
Deposits62,43659,89361,478
Borrowings2,0472,0542,067
Equity6,2626,1465,777
Net Interest Income1,2892,8592,869
Fee Income54117111
Overhead1,3052,6032,721
Net Operating Income187643607
Net Income132431412
Ratio Analysis Profitability%%%
Return on Assets *0.450.630.60
Operating Return on Assets *0.650.940.89
Return on Equity *5.067.147.29
Net Interest Margin *4.254.634.67
Fee Income / Assets *0.160.170.16
Overhead / Assets *3.803.793.98
Efficiency Ratio86.0879.0279.96
Asset Quality%%%
Nonperforming Assets / Assets0.730.181.24
Nonperforming Assets / Equity & Loss Reserves7.441.8513.48
Loss Reserves / Nonperforming Loans134.56533.3392.85
1-4 Fam Mtg + MBS / Assets33.9635.4535.08
Commercial Real Estate Loans / Assets27.7228.4332.23
Construction Loans / Assets9.157.448.37
Commercial & Industrial Loans / Assets11.1710.378.98
Consumer Loans / Assets1.281.281.74
Capitalization%%%
Equity / Assets8.798.958.28
Tangible Capital / Tangible Assets8.798.958.28
Risk-based Capital Ratio12.4612.8211.26
Liquidity%%%
Loans / Deposits93.9894.4597.36
Non-Interest Bearing Deposits / Deposits15.8115.1016.56
Purchased Liabilities5.495.855.69

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