SAFE & SOUND® STAR RATINGS

Financial statement

ANDES STATE BANK
213 MAIN
LAKE ANDES, South Dakota 57356

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 410159




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$21,472$22,783$22,589
Loans Receivable, Net7,8308,5587,656
Mortgage-Backed Securities2,5032,6873,968
Investments3,5883,3232,309
Deposits19,26620,61420,343
Borrowings000
Equity2,1702,1322,199
Net Interest Income150580618
Fee Income146355
Overhead143591572
Net Operating Income3093133
Net Income2372107
Ratio Analysis Profitability%%%
Return on Assets *0.380.340.52
Operating Return on Assets *0.500.440.64
Return on Equity *3.733.344.91
Net Interest Margin *2.992.883.07
Fee Income / Assets *0.300.300.27
Overhead / Assets *2.792.822.77
Efficiency Ratio82.6686.4080.56
Asset Quality%%%
Nonperforming Assets / Assets0.410.260.30
Nonperforming Assets / Equity & Loss Reserves3.902.662.98
Loss Reserves / Nonperforming Loans162.26358.33358.33
1-4 Fam Mtg + MBS / Assets18.2117.4622.59
Commercial Real Estate Loans / Assets4.404.201.75
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.736.157.97
Consumer Loans / Assets4.154.024.49
Capitalization%%%
Equity / Assets10.119.369.73
Tangible Capital / Tangible Assets10.119.369.73
Risk-based Capital Ratio24.4520.3021.14
Liquidity%%%
Loans / Deposits40.6441.5237.63
Non-Interest Bearing Deposits / Deposits19.7716.5720.38
Purchased Liabilities18.4418.4917.46

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