SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 589439




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$41,641$42,783$49,361
Loans Receivable, Net23,36223,67424,126
Mortgage-Backed Securities1,8942,1462,389
Investments8,1478,46411,866
Deposits35,24536,05743,094
Borrowings05000
Equity6,2026,1006,130
Net Interest Income7791,5871,577
Fee Income66147182
Overhead8551,7341,569
Net Operating Income51134-612
Net Income66172-250
Ratio Analysis Profitability%%%
Return on Assets *0.320.37-0.49
Operating Return on Assets *0.230.28-1.19
Return on Equity *2.282.82-3.97
Net Interest Margin *3.933.683.31
Fee Income / Assets *0.320.310.35
Overhead / Assets *3.993.683.06
Efficiency Ratio97.3895.4882.88
Asset Quality%%%
Nonperforming Assets / Assets2.072.272.58
Nonperforming Assets / Equity & Loss Reserves12.4714.2418.39
Loss Reserves / Nonperforming Loans174.88137.6264.51
1-4 Fam Mtg + MBS / Assets38.7538.5334.25
Commercial Real Estate Loans / Assets6.395.816.40
Construction Loans / Assets1.451.331.18
Commercial & Industrial Loans / Assets6.235.454.84
Consumer Loans / Assets6.787.696.04
Capitalization%%%
Equity / Assets14.8914.2612.42
Tangible Capital / Tangible Assets14.8914.2612.42
Risk-based Capital Ratio27.4726.9025.19
Liquidity%%%
Loans / Deposits66.2865.6655.98
Non-Interest Bearing Deposits / Deposits17.1115.6713.37
Purchased Liabilities1.933.053.27

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