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SAFE & SOUND® STAR RATINGS

ANDOVER STATE BANK

511 N. ANDOVER ROAD
ANDOVER, Kansas 67002

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 225054




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$80,915$74,088$68,656
Loans Receivable, Net66,14364,14756,567
Mortgage-Backed Securities0407517
Investments1,5291,1161,154
Deposits70,43663,22059,893
Borrowings2,7603,5032,054
Equity6,6356,3836,146
Net Interest Income2,1942,6972,859
Fee Income78108117
Overhead2,0982,6572,603
Net Operating Income436452643
Net Income288313431
Ratio Analysis Profitability%%%
Return on Assets *0.520.440.63
Operating Return on Assets *0.780.640.94
Return on Equity *6.134.987.14
Net Interest Margin *4.184.164.63
Fee Income / Assets *0.140.150.17
Overhead / Assets *3.593.743.79
Efficiency Ratio80.8584.1679.02
Asset Quality%%%
Nonperforming Assets / Assets0.030.720.18
Nonperforming Assets / Equity & Loss Reserves0.317.531.85
Loss Reserves / Nonperforming Loans3213.042411.11533.33
1-4 Fam Mtg + MBS / Assets33.3433.5735.45
Commercial Real Estate Loans / Assets27.8828.0728.43
Construction Loans / Assets9.0113.347.44
Commercial & Industrial Loans / Assets10.5711.0810.37
Consumer Loans / Assets1.231.131.28
Capitalization%%%
Equity / Assets8.208.628.95
Tangible Capital / Tangible Assets8.208.628.95
Risk-based Capital Ratio12.4811.5912.82
Liquidity%%%
Loans / Deposits93.91101.4794.45
Non-Interest Bearing Deposits / Deposits16.1616.0315.10
Purchased Liabilities5.988.085.85

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