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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, 2015
Federal Reserve System Identifier 410159




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$25,133$25,147$22,783
Loans Receivable, Net10,8479,9808,558
Mortgage-Backed Securities1,6692,0262,687
Investments3,9763,6553,323
Deposits22,60122,76820,614
Borrowings000
Equity2,4202,2812,132
Net Interest Income500628580
Fee Income425963
Overhead398566591
Net Operating Income17615793
Net Income12911472
Ratio Analysis Profitability%%%
Return on Assets *0.690.510.34
Operating Return on Assets *0.980.700.44
Return on Equity *7.185.133.34
Net Interest Margin *2.903.032.88
Fee Income / Assets *0.240.260.30
Overhead / Assets *2.142.522.82
Efficiency Ratio67.2377.4386.40
Asset Quality%%%
Nonperforming Assets / Assets0.120.000.26
Nonperforming Assets / Equity & Loss Reserves1.230.002.66
Loss Reserves / Nonperforming Loans354.84n/a358.33
1-4 Fam Mtg + MBS / Assets12.2213.8617.46
Commercial Real Estate Loans / Assets5.865.064.20
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.937.876.15
Consumer Loans / Assets5.304.304.02
Capitalization%%%
Equity / Assets9.639.079.36
Tangible Capital / Tangible Assets9.639.079.36
Risk-based Capital Ratio18.1618.5120.30
Liquidity%%%
Loans / Deposits47.9943.8341.52
Non-Interest Bearing Deposits / Deposits20.7217.7816.57
Purchased Liabilities27.3525.2618.49

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