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SAFE & SOUND® STAR RATINGS

ANDALUSIA COMMUNITY BANK

601 8TH STREET EAST
ANDALUSIA, Illinois 61232

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 589439




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$40,371$40,927$42,783
Loans Receivable, Net25,13824,87823,674
Mortgage-Backed Securities6697052,146
Investments6,7866,9938,464
Deposits33,64234,25536,057
Borrowings1,0001,000500
Equity5,5785,5376,100
Net Interest Income3761,5411,587
Fee Income28138147
Overhead3921,9001,734
Net Operating Income-4-275134
Net Income3-562172
Ratio Analysis Profitability%%%
Return on Assets *-1.40-1.320.37
Operating Return on Assets *-0.71-0.650.28
Return on Equity *-10.04-9.362.82
Net Interest Margin *3.903.913.68
Fee Income / Assets *0.320.320.31
Overhead / Assets *4.444.473.68
Efficiency Ratio97.51108.7095.48
Asset Quality%%%
Nonperforming Assets / Assets1.972.212.27
Nonperforming Assets / Equity & Loss Reserves12.4313.8514.24
Loss Reserves / Nonperforming Loans142.51126.87137.62
1-4 Fam Mtg + MBS / Assets42.5640.9938.53
Commercial Real Estate Loans / Assets6.816.515.81
Construction Loans / Assets1.531.341.33
Commercial & Industrial Loans / Assets5.216.515.45
Consumer Loans / Assets6.976.887.69
Capitalization%%%
Equity / Assets13.8213.5314.26
Tangible Capital / Tangible Assets13.8213.5314.26
Risk-based Capital Ratio27.3824.8626.90
Liquidity%%%
Loans / Deposits74.7272.6365.66
Non-Interest Bearing Deposits / Deposits17.9117.2015.67
Purchased Liabilities3.983.933.05

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