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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 September 30, 2015
Federal Reserve System Identifier 916343




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$80,925$78,686$82,596
Loans Receivable, Net27,40028,30028,846
Mortgage-Backed Securities9451,1471,480
Investments30,27931,45034,687
Deposits69,00467,18771,367
Borrowings000
Equity11,66211,35710,956
Net Interest Income1,1071,5091,536
Fee Income386875
Overhead9831,3661,386
Net Operating Income264304402
Net Income264304402
Ratio Analysis Profitability%%%
Return on Assets *0.410.370.47
Operating Return on Assets *0.410.370.47
Return on Equity *2.882.723.68
Net Interest Margin *2.052.052.00
Fee Income / Assets *0.070.080.09
Overhead / Assets *1.641.651.63
Efficiency Ratio78.8380.5977.52
Asset Quality%%%
Nonperforming Assets / Assets0.040.050.07
Nonperforming Assets / Equity & Loss Reserves0.290.330.50
Loss Reserves / Nonperforming Loans825.71789.47603.51
1-4 Fam Mtg + MBS / Assets7.076.947.05
Commercial Real Estate Loans / Assets2.272.532.50
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets3.163.213.22
Consumer Loans / Assets2.933.604.60
Capitalization%%%
Equity / Assets14.4114.4313.26
Tangible Capital / Tangible Assets14.4114.4313.26
Risk-based Capital Ratio28.7526.9425.69
Liquidity%%%
Loans / Deposits39.7142.1240.42
Non-Interest Bearing Deposits / Deposits14.7114.4514.82
Purchased Liabilities4.875.265.70

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