SAFE & SOUND® STAR RATINGS

Financial statement

ANDERSON STATE BANK
111 HIGHWAY WEST
ONEIDA, Illinois 61467

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 916343




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$82,002$82,596$81,602
Loans Receivable, Net27,32528,84631,636
Mortgage-Backed Securities1,2201,4801,995
Investments32,66734,68726,417
Deposits70,44371,36770,393
Borrowings000
Equity11,29210,95610,971
Net Interest Income1,1331,5361,508
Fee Income537564
Overhead1,0371,3861,353
Net Operating Income237402301
Net Income237402301
Ratio Analysis Profitability%%%
Return on Assets *0.390.470.37
Operating Return on Assets *0.390.470.37
Return on Equity *2.943.682.78
Net Interest Margin *2.032.002.05
Fee Income / Assets *0.080.090.08
Overhead / Assets *1.671.631.66
Efficiency Ratio81.4077.5279.87
Asset Quality%%%
Nonperforming Assets / Assets0.090.070.08
Nonperforming Assets / Equity & Loss Reserves0.670.500.59
Loss Reserves / Nonperforming Loans350.65603.51534.33
1-4 Fam Mtg + MBS / Assets7.147.058.49
Commercial Real Estate Loans / Assets2.432.503.23
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.993.223.75
Consumer Loans / Assets3.774.604.59
Capitalization%%%
Equity / Assets13.7713.2613.44
Tangible Capital / Tangible Assets13.7713.2613.44
Risk-based Capital Ratio27.0925.6924.61
Liquidity%%%
Loans / Deposits38.7940.4244.94
Non-Interest Bearing Deposits / Deposits13.5914.8215.01
Purchased Liabilities5.045.704.29

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