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SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 225054




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$69,773$65,169$63,805
Loans Receivable, Net59,85853,20046,297
Mortgage-Backed Securities7841,1101,461
Investments1951,8207,595
Deposits61,47857,18458,047
Borrowings2,0672,080623
Equity5,7775,4694,740
Net Interest Income2,8692,6152,538
Fee Income111137195
Overhead2,7212,6802,679
Net Operating Income607368154
Net Income412250127
Ratio Analysis Profitability%%%
Return on Assets *0.600.380.18
Operating Return on Assets *0.890.570.22
Return on Equity *7.294.632.65
Net Interest Margin *4.674.724.39
Fee Income / Assets *0.160.210.29
Overhead / Assets *3.984.164.00
Efficiency Ratio79.9685.488.07
Asset Quality%%%
Nonperforming Assets / Assets1.240.310.09
Nonperforming Assets / Equity & Loss Reserves13.483.401.17
Loss Reserves / Nonperforming Loans92.851.010.81
1-4 Fam Mtg + MBS / Assets35.0833.6836.75
Commercial Real Estate Loans / Assets32.2328.8823.49
Construction Loans / Assets8.3710.396.26
Commercial & Industrial Loans / Assets8.986.953.55
Consumer Loans / Assets1.742.403.06
Capitalization%%%
Equity / Assets8.288.397.43
Tangible Capital / Tangible Assets8.288.397.43
Risk-based Capital Ratio11.2611.8111.16
Liquidity%%%
Loans / Deposits97.3693.0379.76
Non-Interest Bearing Deposits / Deposits16.5615.3512.71
Purchased Liabilities5.6919.879.07

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.65% 0.64%
Compare rates:
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