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 June 30, 2014
Federal Reserve System Identifier 410159




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$21,292$22,783$22,589
Loans Receivable, Net8,1568,5587,656
Mortgage-Backed Securities2,3382,6873,968
Investments3,6233,3232,309
Deposits19,00520,61420,343
Borrowings000
Equity2,2102,1322,199
Net Interest Income299580618
Fee Income296355
Overhead290591572
Net Operating Income5893133
Net Income4772107
Ratio Analysis Profitability%%%
Return on Assets *0.380.340.52
Operating Return on Assets *0.510.440.64
Return on Equity *3.743.344.91
Net Interest Margin *3.062.883.07
Fee Income / Assets *0.290.300.27
Overhead / Assets *2.752.822.77
Efficiency Ratio82.3986.4080.56
Asset Quality%%%
Nonperforming Assets / Assets0.100.260.30
Nonperforming Assets / Equity & Loss Reserves0.912.662.98
Loss Reserves / Nonperforming Loans9100.00358.33358.33
1-4 Fam Mtg + MBS / Assets17.8317.4622.59
Commercial Real Estate Loans / Assets4.704.201.75
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets8.166.157.97
Consumer Loans / Assets5.044.024.49
Capitalization%%%
Equity / Assets10.389.369.73
Tangible Capital / Tangible Assets10.389.369.73
Risk-based Capital Ratio22.0120.3021.14
Liquidity%%%
Loans / Deposits42.9241.5237.63
Non-Interest Bearing Deposits / Deposits21.5816.5720.38
Purchased Liabilities26.7418.4917.46

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