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 December 31, 2013
Federal Reserve System Identifier 410159




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$22,783$22,589$21,239
Loans Receivable, Net8,5587,6566,904
Mortgage-Backed Securities2,6873,9683,104
Investments3,3232,3091,713
Deposits20,61420,34319,069
Borrowings000
Equity2,1322,1992,128
Net Interest Income580618636
Fee Income635546
Overhead591572582
Net Operating Income93133243
Net Income72107166
Ratio Analysis Profitability%%%
Return on Assets *0.340.520.82
Operating Return on Assets *0.440.641.20
Return on Equity *3.344.917.81
Net Interest Margin *2.883.073.23
Fee Income / Assets *0.300.270.23
Overhead / Assets *2.822.772.88
Efficiency Ratio86.4080.5679.08
Asset Quality%%%
Nonperforming Assets / Assets0.260.300.71
Nonperforming Assets / Equity & Loss Reserves2.662.986.76
Loss Reserves / Nonperforming Loans358.33358.331.33
1-4 Fam Mtg + MBS / Assets17.4622.5918.53
Commercial Real Estate Loans / Assets4.201.751.64
Construction Loans / Assets0.000.000.71
Commercial & Industrial Loans / Assets6.157.978.52
Consumer Loans / Assets4.024.494.87
Capitalization%%%
Equity / Assets9.369.7310.02
Tangible Capital / Tangible Assets9.369.7310.02
Risk-based Capital Ratio20.3021.1422.33
Liquidity%%%
Loans / Deposits41.5237.6336.21
Non-Interest Bearing Deposits / Deposits16.5720.3819.81
Purchased Liabilities18.4917.4625.61

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