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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 December 31, 2015
Federal Reserve System Identifier 589439




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$39,159$40,927$42,783
Loans Receivable, Net24,66924,87823,674
Mortgage-Backed Securities4587052,146
Investments7,0726,9938,464
Deposits32,19734,25536,057
Borrowings1,2501,000500
Equity5,6085,5376,100
Net Interest Income1,5191,5411,587
Fee Income120138147
Overhead1,5051,9001,734
Net Operating Income107-275134
Net Income100-562172
Ratio Analysis Profitability%%%
Return on Assets *0.25-1.320.37
Operating Return on Assets *0.27-0.650.28
Return on Equity *1.79-9.362.82
Net Interest Margin *3.973.913.68
Fee Income / Assets *0.300.320.31
Overhead / Assets *3.734.473.68
Efficiency Ratio94.83108.7095.48
Asset Quality%%%
Nonperforming Assets / Assets1.452.212.27
Nonperforming Assets / Equity & Loss Reserves8.7813.8514.24
Loss Reserves / Nonperforming Loans178.67126.87137.62
1-4 Fam Mtg + MBS / Assets44.6240.9938.53
Commercial Real Estate Loans / Assets7.246.515.81
Construction Loans / Assets0.911.341.33
Commercial & Industrial Loans / Assets4.686.515.45
Consumer Loans / Assets6.266.887.69
Capitalization%%%
Equity / Assets14.3213.5314.26
Tangible Capital / Tangible Assets14.3213.5314.26
Risk-based Capital Ratio26.0524.8626.90
Liquidity%%%
Loans / Deposits76.6272.6365.66
Non-Interest Bearing Deposits / Deposits19.3117.2015.67
Purchased Liabilities3.933.933.05

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