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SAFE & SOUND® STAR RATINGS

ANDALUSIA COMMUNITY BANK

601 8TH STREET EAST
ANDALUSIA, Illinois 61232

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 589439




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$39,375$40,927$42,783
Loans Receivable, Net24,74224,87823,674
Mortgage-Backed Securities4917052,146
Investments6,6976,9938,464
Deposits31,81434,25536,057
Borrowings1,9101,000500
Equity5,5575,5376,100
Net Interest Income1,1361,5411,587
Fee Income88138147
Overhead1,1501,9001,734
Net Operating Income44-275134
Net Income47-562172
Ratio Analysis Profitability%%%
Return on Assets *-1.18-1.320.37
Operating Return on Assets *-0.26-0.650.28
Return on Equity *-8.69-9.362.82
Net Interest Margin *3.903.913.68
Fee Income / Assets *0.300.320.31
Overhead / Assets *3.924.473.68
Efficiency Ratio98.63108.7095.48
Asset Quality%%%
Nonperforming Assets / Assets1.402.212.27
Nonperforming Assets / Equity & Loss Reserves8.6113.8514.24
Loss Reserves / Nonperforming Loans184.40126.87137.62
1-4 Fam Mtg + MBS / Assets42.9640.9938.53
Commercial Real Estate Loans / Assets6.816.515.81
Construction Loans / Assets2.151.341.33
Commercial & Industrial Loans / Assets4.856.515.45
Consumer Loans / Assets6.416.887.69
Capitalization%%%
Equity / Assets14.1113.5314.26
Tangible Capital / Tangible Assets14.1113.5314.26
Risk-based Capital Ratio26.1824.8626.90
Liquidity%%%
Loans / Deposits77.7772.6365.66
Non-Interest Bearing Deposits / Deposits18.5017.2015.67
Purchased Liabilities5.583.933.05

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