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 December 31, 2013
Federal Reserve System Identifier 589439




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$42,783$49,361$54,344
Loans Receivable, Net23,67424,12624,159
Mortgage-Backed Securities2,1462,3892,769
Investments8,46411,86613,921
Deposits36,05743,09446,243
Borrowings50001,250
Equity6,1006,1306,343
Net Interest Income1,5871,5771,596
Fee Income147182219
Overhead1,7341,5691,527
Net Operating Income134-612290
Net Income172-250309
Ratio Analysis Profitability%%%
Return on Assets *0.37-0.490.58
Operating Return on Assets *0.28-1.190.55
Return on Equity *2.82-3.975.04
Net Interest Margin *3.683.313.15
Fee Income / Assets *0.310.350.42
Overhead / Assets *3.683.062.90
Efficiency Ratio95.4882.8880.67
Asset Quality%%%
Nonperforming Assets / Assets2.272.582.03
Nonperforming Assets / Equity & Loss Reserves14.2418.3916.71
Loss Reserves / Nonperforming Loans137.6264.511.11
1-4 Fam Mtg + MBS / Assets38.5334.2526.83
Commercial Real Estate Loans / Assets5.816.408.33
Construction Loans / Assets1.331.181.69
Commercial & Industrial Loans / Assets5.454.845.38
Consumer Loans / Assets7.696.046.21
Capitalization%%%
Equity / Assets14.2612.4211.67
Tangible Capital / Tangible Assets14.2612.4211.59
Risk-based Capital Ratio26.9025.1923.71
Liquidity%%%
Loans / Deposits65.6655.9852.24
Non-Interest Bearing Deposits / Deposits15.6713.3711.05
Purchased Liabilities3.053.2721.84

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