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SAFE & SOUND® STAR RATINGS

ANDALUSIA COMMUNITY BANK

601 8TH STREET EAST
ANDALUSIA, Illinois 61232

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 589439




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$40,927$42,783$49,361
Loans Receivable, Net24,87823,67424,126
Mortgage-Backed Securities7052,1462,389
Investments6,9938,46411,866
Deposits34,25536,05743,094
Borrowings1,0005000
Equity5,5376,1006,130
Net Interest Income1,5411,5871,577
Fee Income138147182
Overhead1,9001,7341,569
Net Operating Income-275134-612
Net Income-562172-250
Ratio Analysis Profitability%%%
Return on Assets *-1.320.37-0.49
Operating Return on Assets *-0.650.28-1.19
Return on Equity *-9.362.82-3.97
Net Interest Margin *3.913.683.31
Fee Income / Assets *0.320.310.35
Overhead / Assets *4.473.683.06
Efficiency Ratio108.7095.4882.88
Asset Quality%%%
Nonperforming Assets / Assets2.212.272.58
Nonperforming Assets / Equity & Loss Reserves13.8514.2418.39
Loss Reserves / Nonperforming Loans126.87137.6264.51
1-4 Fam Mtg + MBS / Assets40.9938.5334.25
Commercial Real Estate Loans / Assets6.515.816.40
Construction Loans / Assets1.341.331.18
Commercial & Industrial Loans / Assets6.515.454.84
Consumer Loans / Assets6.887.696.04
Capitalization%%%
Equity / Assets13.5314.2612.42
Tangible Capital / Tangible Assets13.5314.2612.42
Risk-based Capital Ratio24.8626.9025.19
Liquidity%%%
Loans / Deposits72.6365.6655.98
Non-Interest Bearing Deposits / Deposits17.2015.6713.37
Purchased Liabilities3.933.053.27

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