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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, 2015
Federal Reserve System Identifier 410159




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$24,566$25,147$22,783
Loans Receivable, Net9,5639,9808,558
Mortgage-Backed Securities1,9442,0262,687
Investments3,4533,6553,323
Deposits22,12322,76820,614
Borrowings000
Equity2,3652,2812,132
Net Interest Income160628580
Fee Income165963
Overhead131566591
Net Operating Income7515793
Net Income5911472
Ratio Analysis Profitability%%%
Return on Assets *0.650.510.34
Operating Return on Assets *0.880.700.44
Return on Equity *6.605.133.34
Net Interest Margin *2.943.032.88
Fee Income / Assets *0.260.260.30
Overhead / Assets *2.402.522.82
Efficiency Ratio63.5977.4386.40
Asset Quality%%%
Nonperforming Assets / Assets0.010.000.26
Nonperforming Assets / Equity & Loss Reserves0.120.002.66
Loss Reserves / Nonperforming Loans3166.67n/a358.33
1-4 Fam Mtg + MBS / Assets14.0813.8617.46
Commercial Real Estate Loans / Assets4.895.064.20
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.887.876.15
Consumer Loans / Assets4.854.304.02
Capitalization%%%
Equity / Assets9.639.079.36
Tangible Capital / Tangible Assets9.639.079.36
Risk-based Capital Ratio19.6018.5120.30
Liquidity%%%
Loans / Deposits43.2343.8341.52
Non-Interest Bearing Deposits / Deposits20.8517.7816.57
Purchased Liabilities27.9225.2618.49

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