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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 March 31, 2016
Federal Reserve System Identifier 589439




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$37,996$39,159$40,927
Loans Receivable, Net25,05524,66924,878
Mortgage-Backed Securities434458705
Investments5,3217,0726,993
Deposits32,18532,19734,255
Borrowings01,2501,000
Equity5,6945,6085,537
Net Interest Income3661,5191,541
Fee Income28120138
Overhead3601,5051,900
Net Operating Income86107-275
Net Income78100-562
Ratio Analysis Profitability%%%
Return on Assets *0.440.25-1.32
Operating Return on Assets *0.500.27-0.65
Return on Equity *3.121.79-9.36
Net Interest Margin *3.993.973.91
Fee Income / Assets *0.300.300.32
Overhead / Assets *3.713.734.47
Efficiency Ratio89.1194.83108.70
Asset Quality%%%
Nonperforming Assets / Assets1.621.452.21
Nonperforming Assets / Equity & Loss Reserves9.398.7813.85
Loss Reserves / Nonperforming Loans158.63178.67126.87
1-4 Fam Mtg + MBS / Assets46.7944.6240.99
Commercial Real Estate Loans / Assets7.737.246.51
Construction Loans / Assets0.930.911.34
Commercial & Industrial Loans / Assets4.604.686.51
Consumer Loans / Assets6.406.266.88
Capitalization%%%
Equity / Assets14.9914.3213.53
Tangible Capital / Tangible Assets14.9914.3213.53
Risk-based Capital Ratio27.0526.0524.86
Liquidity%%%
Loans / Deposits77.8576.6272.63
Non-Interest Bearing Deposits / Deposits20.1119.3117.20
Purchased Liabilities0.753.933.93

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