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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 December 31, 2015
Federal Reserve System Identifier 225054




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$80,648$74,088$68,656
Loans Receivable, Net65,48864,14756,567
Mortgage-Backed Securities0407517
Investments4,4961,1161,154
Deposits70,26763,22059,893
Borrowings2,7573,5032,054
Equity6,6796,3836,146
Net Interest Income2,9132,6972,859
Fee Income104108117
Overhead2,7752,6572,603
Net Operating Income584452643
Net Income385313431
Ratio Analysis Profitability%%%
Return on Assets *0.490.440.63
Operating Return on Assets *0.740.640.94
Return on Equity *5.844.987.14
Net Interest Margin *4.074.164.63
Fee Income / Assets *0.130.150.17
Overhead / Assets *3.533.743.79
Efficiency Ratio80.8684.1679.02
Asset Quality%%%
Nonperforming Assets / Assets0.030.720.18
Nonperforming Assets / Equity & Loss Reserves0.317.531.85
Loss Reserves / Nonperforming Loans3265.222411.11533.33
1-4 Fam Mtg + MBS / Assets32.6333.5735.45
Commercial Real Estate Loans / Assets28.4528.0728.43
Construction Loans / Assets8.5613.347.44
Commercial & Industrial Loans / Assets10.5911.0810.37
Consumer Loans / Assets1.131.131.28
Capitalization%%%
Equity / Assets8.288.628.95
Tangible Capital / Tangible Assets8.288.628.95
Risk-based Capital Ratio12.6311.5912.82
Liquidity%%%
Loans / Deposits93.20101.4794.45
Non-Interest Bearing Deposits / Deposits17.2616.0315.10
Purchased Liabilities6.248.085.85

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