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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 March 31, 2015
Federal Reserve System Identifier 916343




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$80,634$78,686$82,596
Loans Receivable, Net26,84328,30028,846
Mortgage-Backed Securities1,0961,1471,480
Investments30,35831,45034,687
Deposits69,00367,18771,367
Borrowings000
Equity11,44811,35710,956
Net Interest Income3661,5091,536
Fee Income146875
Overhead3321,3661,386
Net Operating Income84304402
Net Income84304402
Ratio Analysis Profitability%%%
Return on Assets *0.380.370.47
Operating Return on Assets *0.380.370.47
Return on Equity *2.752.723.68
Net Interest Margin *2.062.052.00
Fee Income / Assets *0.080.080.09
Overhead / Assets *1.661.651.63
Efficiency Ratio79.8180.5977.52
Asset Quality%%%
Nonperforming Assets / Assets0.060.050.07
Nonperforming Assets / Equity & Loss Reserves0.430.330.50
Loss Reserves / Nonperforming Loans588.00789.47603.51
1-4 Fam Mtg + MBS / Assets6.626.947.05
Commercial Real Estate Loans / Assets2.392.532.50
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.963.213.22
Consumer Loans / Assets3.183.604.60
Capitalization%%%
Equity / Assets14.2014.4313.26
Tangible Capital / Tangible Assets14.2014.4313.26
Risk-based Capital Ratio27.7826.9425.69
Liquidity%%%
Loans / Deposits38.9042.1240.42
Non-Interest Bearing Deposits / Deposits13.9414.4514.82
Purchased Liabilities5.145.265.70

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