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SAFE & SOUND® STAR RATINGS

ANDERSON STATE BANK

111 HIGHWAY WEST
ONEIDA, Illinois 61467

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 916343




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$79,570$78,686$82,596
Loans Receivable, Net28,38328,30028,846
Mortgage-Backed Securities8651,1471,480
Investments29,67631,45034,687
Deposits67,78567,18771,367
Borrowings000
Equity11,65611,35710,956
Net Interest Income1,4841,5091,536
Fee Income516875
Overhead1,2921,3661,386
Net Operating Income377304402
Net Income377304402
Ratio Analysis Profitability%%%
Return on Assets *0.470.370.47
Operating Return on Assets *0.470.370.47
Return on Equity *3.252.723.68
Net Interest Margin *2.012.052.00
Fee Income / Assets *0.060.080.09
Overhead / Assets *1.611.651.63
Efficiency Ratio77.4180.5977.52
Asset Quality%%%
Nonperforming Assets / Assets0.040.050.07
Nonperforming Assets / Equity & Loss Reserves0.290.330.50
Loss Reserves / Nonperforming Loans785.71789.47603.51
1-4 Fam Mtg + MBS / Assets6.526.947.05
Commercial Real Estate Loans / Assets2.322.532.50
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets3.383.213.22
Consumer Loans / Assets2.893.604.60
Capitalization%%%
Equity / Assets14.6514.4313.26
Tangible Capital / Tangible Assets14.6514.4313.26
Risk-based Capital Ratio28.5126.9425.69
Liquidity%%%
Loans / Deposits41.8742.1240.42
Non-Interest Bearing Deposits / Deposits17.3914.4514.82
Purchased Liabilities4.375.265.70

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