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 March 31, 2014
Federal Reserve System Identifier 225054




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$71,372$68,656$69,773
Loans Receivable, Net56,18256,56759,858
Mortgage-Backed Securities491517784
Investments1,1431,154195
Deposits62,63959,89361,478
Borrowings2,0502,0542,067
Equity6,1916,1465,777
Net Interest Income6412,8592,869
Fee Income28117111
Overhead6782,6032,721
Net Operating Income64643607
Net Income47431412
Ratio Analysis Profitability%%%
Return on Assets *0.560.630.60
Operating Return on Assets *0.820.940.89
Return on Equity *6.257.147.29
Net Interest Margin *4.434.634.67
Fee Income / Assets *0.170.170.16
Overhead / Assets *3.773.793.98
Efficiency Ratio89.9279.0279.96
Asset Quality%%%
Nonperforming Assets / Assets0.730.181.24
Nonperforming Assets / Equity & Loss Reserves7.551.8513.48
Loss Reserves / Nonperforming Loans131.79533.3392.85
1-4 Fam Mtg + MBS / Assets34.2035.4535.08
Commercial Real Estate Loans / Assets24.9928.4332.23
Construction Loans / Assets8.297.448.37
Commercial & Industrial Loans / Assets10.8210.378.98
Consumer Loans / Assets1.211.281.74
Capitalization%%%
Equity / Assets8.678.958.28
Tangible Capital / Tangible Assets8.678.958.28
Risk-based Capital Ratio12.7712.8211.26
Liquidity%%%
Loans / Deposits89.6994.4597.36
Non-Interest Bearing Deposits / Deposits15.4315.1016.56
Purchased Liabilities5.625.855.69

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