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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 March 31, 2016
Federal Reserve System Identifier 225054




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$79,972$80,648$74,088
Loans Receivable, Net66,22165,48864,147
Mortgage-Backed Securities00407
Investments4,5214,4961,116
Deposits69,46270,26763,220
Borrowings2,7532,7573,503
Equity6,7636,6796,383
Net Interest Income7652,9132,697
Fee Income21104108
Overhead7162,7752,657
Net Operating Income113584452
Net Income67385313
Ratio Analysis Profitability%%%
Return on Assets *0.450.490.44
Operating Return on Assets *0.690.740.64
Return on Equity *5.335.844.98
Net Interest Margin *4.104.074.16
Fee Income / Assets *0.120.130.15
Overhead / Assets *3.503.533.74
Efficiency Ratio84.5380.8684.16
Asset Quality%%%
Nonperforming Assets / Assets0.080.030.72
Nonperforming Assets / Equity & Loss Reserves0.810.317.53
Loss Reserves / Nonperforming Loans1260.663265.222411.11
1-4 Fam Mtg + MBS / Assets32.6232.6333.57
Commercial Real Estate Loans / Assets31.8528.4528.07
Construction Loans / Assets7.038.5613.34
Commercial & Industrial Loans / Assets10.3810.5911.08
Consumer Loans / Assets1.131.131.13
Capitalization%%%
Equity / Assets8.468.288.62
Tangible Capital / Tangible Assets8.468.288.62
Risk-based Capital Ratio12.2812.6311.59
Liquidity%%%
Loans / Deposits95.3393.20101.47
Non-Interest Bearing Deposits / Deposits16.4317.2616.03
Purchased Liabilities6.096.248.08

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