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SAFE & SOUND® STAR RATINGS

ANDOVER STATE BANK

511 N. ANDOVER ROAD
ANDOVER, Kansas 67002

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of December 31, 2014
Federal Reserve System Identifier 225054




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$74,088$68,656$69,773
Loans Receivable, Net64,14756,56759,858
Mortgage-Backed Securities407517784
Investments1,1161,154195
Deposits63,22059,89361,478
Borrowings3,5032,0542,067
Equity6,3836,1465,777
Net Interest Income2,6972,8592,869
Fee Income108117111
Overhead2,6572,6032,721
Net Operating Income452643607
Net Income313431412
Ratio Analysis Profitability%%%
Return on Assets *0.440.630.60
Operating Return on Assets *0.640.940.89
Return on Equity *4.987.147.29
Net Interest Margin *4.164.634.67
Fee Income / Assets *0.150.170.16
Overhead / Assets *3.743.793.98
Efficiency Ratio84.1679.0279.96
Asset Quality%%%
Nonperforming Assets / Assets0.720.181.24
Nonperforming Assets / Equity & Loss Reserves7.531.8513.48
Loss Reserves / Nonperforming Loans2411.11533.3392.85
1-4 Fam Mtg + MBS / Assets33.5735.4535.08
Commercial Real Estate Loans / Assets28.0728.4332.23
Construction Loans / Assets13.347.448.37
Commercial & Industrial Loans / Assets11.0810.378.98
Consumer Loans / Assets1.131.281.74
Capitalization%%%
Equity / Assets8.628.958.28
Tangible Capital / Tangible Assets8.628.958.28
Risk-based Capital Ratio11.5912.8211.26
Liquidity%%%
Loans / Deposits101.4794.4597.36
Non-Interest Bearing Deposits / Deposits16.0315.1016.56
Purchased Liabilities8.085.855.69

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