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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 December 31, 2015
Federal Reserve System Identifier 410159




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$25,667$25,147$22,783
Loans Receivable, Net10,5989,9808,558
Mortgage-Backed Securities1,5472,0262,687
Investments3,7743,6553,323
Deposits23,14222,76820,614
Borrowings000
Equity2,4112,2812,132
Net Interest Income670628580
Fee Income365963
Overhead538566591
Net Operating Income20915793
Net Income15411472
Ratio Analysis Profitability%%%
Return on Assets *0.620.510.34
Operating Return on Assets *0.840.700.44
Return on Equity *6.455.133.34
Net Interest Margin *2.903.032.88
Fee Income / Assets *0.140.260.30
Overhead / Assets *2.162.522.82
Efficiency Ratio70.3377.4386.40
Asset Quality%%%
Nonperforming Assets / Assets0.200.000.26
Nonperforming Assets / Equity & Loss Reserves2.060.002.66
Loss Reserves / Nonperforming Loans211.54n/a358.33
1-4 Fam Mtg + MBS / Assets10.9113.8617.46
Commercial Real Estate Loans / Assets5.395.064.20
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.987.876.15
Consumer Loans / Assets5.764.304.02
Capitalization%%%
Equity / Assets9.399.079.36
Tangible Capital / Tangible Assets9.399.079.36
Risk-based Capital Ratio18.1418.5120.30
Liquidity%%%
Loans / Deposits45.8043.8341.52
Non-Interest Bearing Deposits / Deposits19.8817.7816.57
Purchased Liabilities26.4325.2618.49

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