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SAFE & SOUND® STAR RATINGS

ANDOVER STATE BANK

511 N. ANDOVER ROAD
ANDOVER, Kansas 67002

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 225054




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$76,746$74,088$68,656
Loans Receivable, Net64,96164,14756,567
Mortgage-Backed Securities0407517
Investments1,5411,1161,154
Deposits66,41163,22059,893
Borrowings2,7673,5032,054
Equity6,4686,3836,146
Net Interest Income7122,6972,859
Fee Income27108117
Overhead7132,6572,603
Net Operating Income148452643
Net Income97313431
Ratio Analysis Profitability%%%
Return on Assets *0.500.440.63
Operating Return on Assets *0.730.640.94
Return on Equity *5.714.987.14
Net Interest Margin *4.204.164.63
Fee Income / Assets *0.150.150.17
Overhead / Assets *3.693.743.79
Efficiency Ratio82.5284.1679.02
Asset Quality%%%
Nonperforming Assets / Assets0.930.720.18
Nonperforming Assets / Equity & Loss Reserves9.947.531.85
Loss Reserves / Nonperforming Loans326.092411.11533.33
1-4 Fam Mtg + MBS / Assets31.1233.5735.45
Commercial Real Estate Loans / Assets27.2128.0728.43
Construction Loans / Assets13.5313.347.44
Commercial & Industrial Loans / Assets11.9411.0810.37
Consumer Loans / Assets1.081.131.28
Capitalization%%%
Equity / Assets8.438.628.95
Tangible Capital / Tangible Assets8.438.628.95
Risk-based Capital Ratio11.3411.5912.82
Liquidity%%%
Loans / Deposits97.82101.4794.45
Non-Interest Bearing Deposits / Deposits15.4516.0315.10
Purchased Liabilities6.808.085.85

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