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SAFE & SOUND® STAR RATINGS

ANDES STATE BANK

213 MAIN
LAKE ANDES, South Dakota 57356

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 410159




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$24,187$25,667$25,147
Loans Receivable, Net10,73810,5989,980
Mortgage-Backed Securities1,4571,5472,026
Investments2,8533,7743,655
Deposits21,62923,14222,768
Borrowings000
Equity2,4672,4112,281
Net Interest Income167670628
Fee Income143659
Overhead129538566
Net Operating Income55209157
Net Income38154114
Ratio Analysis Profitability%%%
Return on Assets *0.530.620.51
Operating Return on Assets *0.750.840.70
Return on Equity *5.526.455.13
Net Interest Margin *2.972.903.03
Fee Income / Assets *0.140.140.26
Overhead / Assets *2.142.162.52
Efficiency Ratio68.6270.3377.43
Asset Quality%%%
Nonperforming Assets / Assets0.170.200.00
Nonperforming Assets / Equity & Loss Reserves1.632.060.00
Loss Reserves / Nonperforming Loans266.67211.54n/a
1-4 Fam Mtg + MBS / Assets12.3810.9113.86
Commercial Real Estate Loans / Assets5.205.395.06
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.907.987.87
Consumer Loans / Assets6.065.764.30
Capitalization%%%
Equity / Assets10.209.399.07
Tangible Capital / Tangible Assets10.209.399.07
Risk-based Capital Ratio18.9718.1418.51
Liquidity%%%
Loans / Deposits49.6545.8043.83
Non-Interest Bearing Deposits / Deposits16.7019.8817.78
Purchased Liabilities28.0926.4325.26

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