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 March 31, 2014
Federal Reserve System Identifier 589439




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$42,798$42,783$49,361
Loans Receivable, Net22,64423,67424,126
Mortgage-Backed Securities2,0092,1462,389
Investments9,0288,46411,866
Deposits36,46036,05743,094
Borrowings05000
Equity6,1606,1006,130
Net Interest Income3891,5871,577
Fee Income32147182
Overhead4251,7341,569
Net Operating Income18134-612
Net Income29172-250
Ratio Analysis Profitability%%%
Return on Assets *0.340.37-0.49
Operating Return on Assets *0.250.28-1.19
Return on Equity *2.522.82-3.97
Net Interest Margin *3.843.683.31
Fee Income / Assets *0.320.310.35
Overhead / Assets *3.853.683.06
Efficiency Ratio95.9495.4882.88
Asset Quality%%%
Nonperforming Assets / Assets2.082.272.58
Nonperforming Assets / Equity & Loss Reserves12.9614.2418.39
Loss Reserves / Nonperforming Loans162.59137.6264.51
1-4 Fam Mtg + MBS / Assets37.2238.5334.25
Commercial Real Estate Loans / Assets5.955.816.40
Construction Loans / Assets1.341.331.18
Commercial & Industrial Loans / Assets5.505.454.84
Consumer Loans / Assets6.477.696.04
Capitalization%%%
Equity / Assets14.3914.2612.42
Tangible Capital / Tangible Assets14.3914.2612.42
Risk-based Capital Ratio27.5026.9025.19
Liquidity%%%
Loans / Deposits62.1165.6655.98
Non-Interest Bearing Deposits / Deposits16.8215.6713.37
Purchased Liabilities1.883.053.27

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