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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 September 30, 2014
Federal Reserve System Identifier 225054




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$72,229$68,656$69,773
Loans Receivable, Net60,13056,56759,858
Mortgage-Backed Securities431517784
Investments1,1251,154195
Deposits62,82759,89361,478
Borrowings2,0442,0542,067
Equity6,3176,1465,777
Net Interest Income1,9852,8592,869
Fee Income81117111
Overhead1,9962,6032,721
Net Operating Income287643607
Net Income202431412
Ratio Analysis Profitability%%%
Return on Assets *0.440.630.60
Operating Return on Assets *0.630.940.89
Return on Equity *4.977.147.29
Net Interest Margin *4.234.634.67
Fee Income / Assets *0.160.170.16
Overhead / Assets *3.793.793.98
Efficiency Ratio86.0779.0279.96
Asset Quality%%%
Nonperforming Assets / Assets0.710.181.24
Nonperforming Assets / Equity & Loss Reserves7.361.8513.48
Loss Reserves / Nonperforming Loans134.50533.3392.85
1-4 Fam Mtg + MBS / Assets32.5835.4535.08
Commercial Real Estate Loans / Assets29.3528.4332.23
Construction Loans / Assets10.007.448.37
Commercial & Industrial Loans / Assets11.0410.378.98
Consumer Loans / Assets1.131.281.74
Capitalization%%%
Equity / Assets8.758.958.28
Tangible Capital / Tangible Assets8.758.958.28
Risk-based Capital Ratio12.2012.8211.26
Liquidity%%%
Loans / Deposits95.7194.4597.36
Non-Interest Bearing Deposits / Deposits14.9515.1016.56
Purchased Liabilities5.725.855.69

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