SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 589439




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$42,629$42,783$49,361
Loans Receivable, Net24,36723,67424,126
Mortgage-Backed Securities1,7752,1462,389
Investments8,6628,46411,866
Deposits34,42236,05743,094
Borrowings2,0005000
Equity6,1126,1006,130
Net Interest Income1,1761,5871,577
Fee Income102147182
Overhead1,4441,7341,569
Net Operating Income-126134-612
Net Income-32172-250
Ratio Analysis Profitability%%%
Return on Assets *-0.020.37-0.49
Operating Return on Assets *-0.280.28-1.19
Return on Equity *-0.112.82-3.97
Net Interest Margin *3.843.683.31
Fee Income / Assets *0.310.310.35
Overhead / Assets *4.283.683.06
Efficiency Ratio107.6895.4882.88
Asset Quality%%%
Nonperforming Assets / Assets2.072.272.58
Nonperforming Assets / Equity & Loss Reserves12.8514.2418.39
Loss Reserves / Nonperforming Loans105.70137.6264.51
1-4 Fam Mtg + MBS / Assets39.8038.5334.25
Commercial Real Estate Loans / Assets6.495.816.40
Construction Loans / Assets1.381.331.18
Commercial & Industrial Loans / Assets6.455.454.84
Consumer Loans / Assets6.617.696.04
Capitalization%%%
Equity / Assets14.3414.2612.42
Tangible Capital / Tangible Assets14.3414.2612.42
Risk-based Capital Ratio26.5926.9025.19
Liquidity%%%
Loans / Deposits70.7965.6655.98
Non-Interest Bearing Deposits / Deposits16.4115.6713.37
Purchased Liabilities6.013.053.27

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