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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 December 31, 2014
Federal Reserve System Identifier 410159




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$25,147$22,783$22,589
Loans Receivable, Net9,9808,5587,656
Mortgage-Backed Securities2,0262,6873,968
Investments3,6553,3232,309
Deposits22,76820,61420,343
Borrowings000
Equity2,2812,1322,199
Net Interest Income628580618
Fee Income596355
Overhead566591572
Net Operating Income15793133
Net Income11472107
Ratio Analysis Profitability%%%
Return on Assets *0.510.340.52
Operating Return on Assets *0.700.440.64
Return on Equity *5.133.344.91
Net Interest Margin *3.032.883.07
Fee Income / Assets *0.260.300.27
Overhead / Assets *2.522.822.77
Efficiency Ratio77.4386.4080.56
Asset Quality%%%
Nonperforming Assets / Assets0.000.260.30
Nonperforming Assets / Equity & Loss Reserves0.002.662.98
Loss Reserves / Nonperforming Loansn/a358.33358.33
1-4 Fam Mtg + MBS / Assets13.8617.4622.59
Commercial Real Estate Loans / Assets5.064.201.75
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.876.157.97
Consumer Loans / Assets4.304.024.49
Capitalization%%%
Equity / Assets9.079.369.73
Tangible Capital / Tangible Assets9.079.369.73
Risk-based Capital Ratio18.5120.3021.14
Liquidity%%%
Loans / Deposits43.8341.5237.63
Non-Interest Bearing Deposits / Deposits17.7816.5720.38
Purchased Liabilities25.2618.4917.46

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