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 December 31, 2013
Federal Reserve System Identifier 225054




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$68,656$69,773$65,169
Loans Receivable, Net56,56759,85853,200
Mortgage-Backed Securities5177841,110
Investments1,1541951,820
Deposits59,89361,47857,184
Borrowings2,0542,0672,080
Equity6,1465,7775,469
Net Interest Income2,8592,8692,615
Fee Income117111137
Overhead2,6032,7212,680
Net Operating Income643607368
Net Income431412250
Ratio Analysis Profitability%%%
Return on Assets *0.630.600.38
Operating Return on Assets *0.940.890.57
Return on Equity *7.147.294.63
Net Interest Margin *4.634.674.72
Fee Income / Assets *0.170.160.21
Overhead / Assets *3.793.984.16
Efficiency Ratio79.0279.9685.40
Asset Quality%%%
Nonperforming Assets / Assets0.181.240.31
Nonperforming Assets / Equity & Loss Reserves1.8513.483.40
Loss Reserves / Nonperforming Loans533.3392.851.01
1-4 Fam Mtg + MBS / Assets35.4535.0833.68
Commercial Real Estate Loans / Assets28.4332.2328.88
Construction Loans / Assets7.448.3710.39
Commercial & Industrial Loans / Assets10.378.986.95
Consumer Loans / Assets1.281.742.40
Capitalization%%%
Equity / Assets8.958.288.39
Tangible Capital / Tangible Assets8.958.288.39
Risk-based Capital Ratio12.8211.2611.81
Liquidity%%%
Loans / Deposits94.4597.3693.03
Non-Interest Bearing Deposits / Deposits15.1016.5615.35
Purchased Liabilities5.855.6919.87

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