SAFE & SOUND® STAR RATINGS

Financial statement

ANDERSON STATE BANK
111 HIGHWAY WEST
ONEIDA, Illinois 61467

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 916343




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$82,596$81,602$74,503
Loans Receivable, Net28,84631,63633,697
Mortgage-Backed Securities1,4801,9950
Investments34,68726,41717,885
Deposits71,36770,39363,638
Borrowings000
Equity10,95610,97110,672
Net Interest Income1,5361,5081,555
Fee Income756473
Overhead1,3861,3531,355
Net Operating Income402301308
Net Income402301308
Ratio Analysis Profitability%%%
Return on Assets *0.470.370.41
Operating Return on Assets *0.470.370.41
Return on Equity *3.682.782.91
Net Interest Margin *2.002.052.41
Fee Income / Assets *0.090.080.10
Overhead / Assets *1.631.661.84
Efficiency Ratio77.5279.8777.74
Asset Quality%%%
Nonperforming Assets / Assets0.070.080.53
Nonperforming Assets / Equity & Loss Reserves0.500.593.53
Loss Reserves / Nonperforming Loans603.51534.331.56
1-4 Fam Mtg + MBS / Assets7.058.496.78
Commercial Real Estate Loans / Assets2.503.233.68
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets3.223.753.74
Consumer Loans / Assets4.604.595.06
Capitalization%%%
Equity / Assets13.2613.4414.32
Tangible Capital / Tangible Assets13.2613.4414.32
Risk-based Capital Ratio25.6924.6115.41
Liquidity%%%
Loans / Deposits40.4244.9452.95
Non-Interest Bearing Deposits / Deposits14.8215.0114.62
Purchased Liabilities5.704.2914.42

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