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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 September 30, 2014
Federal Reserve System Identifier 410159




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$23,780$22,783$22,589
Loans Receivable, Net9,7618,5587,656
Mortgage-Backed Securities2,1522,6873,968
Investments4,3763,3232,309
Deposits20,97920,61420,343
Borrowings47500
Equity2,2292,1322,199
Net Interest Income458580618
Fee Income436355
Overhead437591572
Net Operating Income9193133
Net Income7472107
Ratio Analysis Profitability%%%
Return on Assets *0.390.340.52
Operating Return on Assets *0.530.440.64
Return on Equity *3.873.344.91
Net Interest Margin *2.982.883.07
Fee Income / Assets *0.270.300.27
Overhead / Assets *2.692.822.77
Efficiency Ratio81.5386.4080.56
Asset Quality%%%
Nonperforming Assets / Assets0.130.260.30
Nonperforming Assets / Equity & Loss Reserves1.292.662.98
Loss Reserves / Nonperforming Loans522.22358.33358.33
1-4 Fam Mtg + MBS / Assets15.2817.4622.59
Commercial Real Estate Loans / Assets5.514.201.75
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.616.157.97
Consumer Loans / Assets4.574.024.49
Capitalization%%%
Equity / Assets9.379.369.73
Tangible Capital / Tangible Assets9.379.369.73
Risk-based Capital Ratio19.0520.3021.14
Liquidity%%%
Loans / Deposits46.5341.5237.63
Non-Interest Bearing Deposits / Deposits19.5816.5720.38
Purchased Liabilities28.6918.4917.46

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