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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, 2014
Federal Reserve System Identifier 916343




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$78,686$82,596$81,602
Loans Receivable, Net28,30028,84631,636
Mortgage-Backed Securities1,1471,4801,995
Investments31,45034,68726,417
Deposits67,18771,36770,393
Borrowings000
Equity11,35710,95610,971
Net Interest Income1,5091,5361,508
Fee Income687564
Overhead1,3661,3861,353
Net Operating Income304402301
Net Income304402301
Ratio Analysis Profitability%%%
Return on Assets *0.370.470.37
Operating Return on Assets *0.370.470.37
Return on Equity *2.723.682.78
Net Interest Margin *2.052.002.05
Fee Income / Assets *0.080.090.08
Overhead / Assets *1.651.631.66
Efficiency Ratio80.5977.5279.87
Asset Quality%%%
Nonperforming Assets / Assets0.050.070.08
Nonperforming Assets / Equity & Loss Reserves0.330.500.59
Loss Reserves / Nonperforming Loans789.47603.51534.33
1-4 Fam Mtg + MBS / Assets6.947.058.49
Commercial Real Estate Loans / Assets2.532.503.23
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets3.213.223.75
Consumer Loans / Assets3.604.604.59
Capitalization%%%
Equity / Assets14.4313.2613.44
Tangible Capital / Tangible Assets14.4313.2613.44
Risk-based Capital Ratio26.9425.6924.61
Liquidity%%%
Loans / Deposits42.1240.4244.94
Non-Interest Bearing Deposits / Deposits14.4514.8215.01
Purchased Liabilities5.265.704.29

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