SAFE & SOUND® STAR RATINGS

Financial statement

ANDERSON STATE BANK
111 HIGHWAY WEST
ONEIDA, Illinois 61467

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 916343




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$86,283$82,596$81,602
Loans Receivable, Net27,82628,84631,636
Mortgage-Backed Securities1,3941,4801,995
Investments34,18734,68726,417
Deposits75,08671,36770,393
Borrowings000
Equity11,00110,95610,971
Net Interest Income3831,5361,508
Fee Income147564
Overhead3491,3861,353
Net Operating Income77402301
Net Income77402301
Ratio Analysis Profitability%%%
Return on Assets *0.480.470.37
Operating Return on Assets *0.480.470.37
Return on Equity *3.743.682.78
Net Interest Margin *2.012.002.05
Fee Income / Assets *0.080.090.08
Overhead / Assets *1.621.631.66
Efficiency Ratio81.9277.5279.87
Asset Quality%%%
Nonperforming Assets / Assets0.230.070.08
Nonperforming Assets / Equity & Loss Reserves1.760.500.59
Loss Reserves / Nonperforming Loans172.50603.51534.33
1-4 Fam Mtg + MBS / Assets6.537.058.49
Commercial Real Estate Loans / Assets2.312.503.23
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.903.223.75
Consumer Loans / Assets4.054.604.59
Capitalization%%%
Equity / Assets12.7513.2613.44
Tangible Capital / Tangible Assets12.7513.2613.44
Risk-based Capital Ratio26.2025.6924.61
Liquidity%%%
Loans / Deposits37.0640.4244.94
Non-Interest Bearing Deposits / Deposits15.3314.8215.01
Purchased Liabilities4.855.704.29

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