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SAFE & SOUND® STAR RATINGS

Financial statement

ANDALUSIA COMMUNITY BANK
601 8TH STREET EAST
ANDALUSIA, Illinois 61232

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 589439




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$49,361$54,344$50,113
Loans Receivable, Net24,12624,15922,635
Mortgage-Backed Securities2,3892,769518
Investments11,86613,92112,082
Deposits43,09446,24343,812
Borrowings01,2500
Equity6,1306,3435,781
Net Interest Income1,5771,5961,432
Fee Income182219235
Overhead1,5691,5271,432
Net Operating Income-612290298
Net Income-250309279
Ratio Analysis Profitability%%%
Return on Assets *-0.490.580.67
Operating Return on Assets *-1.190.550.71
Return on Equity *-3.975.044.81
Net Interest Margin *3.313.153.56
Fee Income / Assets *0.350.420.57
Overhead / Assets *3.062.903.45
Efficiency Ratio82.8880.6780.13
Asset Quality%%%
Nonperforming Assets / Assets2.582.031.13
Nonperforming Assets / Equity & Loss Reserves18.3916.719.49
Loss Reserves / Nonperforming Loans64.511.110.84
1-4 Fam Mtg + MBS / Assets34.2526.8323.58
Commercial Real Estate Loans / Assets6.408.338.94
Construction Loans / Assets1.181.692.52
Commercial & Industrial Loans / Assets4.845.386.24
Consumer Loans / Assets6.046.217.96
Capitalization%%%
Equity / Assets12.4211.6711.54
Tangible Capital / Tangible Assets12.4211.5911.45
Risk-based Capital Ratio25.1923.7122.42
Liquidity%%%
Loans / Deposits55.9852.2451.66
Non-Interest Bearing Deposits / Deposits13.3711.0510.70
Purchased Liabilities3.2721.8424.08

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.43%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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