SAFE & SOUND® STAR RATINGS

Financial statement

ANDERSON STATE BANK
111 HIGHWAY WEST
ONEIDA, Illinois 61467

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




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$82,501$82,596$81,602
Loans Receivable, Net27,31328,84631,636
Mortgage-Backed Securities1,3091,4801,995
Investments34,22534,68726,417
Deposits71,15071,36770,393
Borrowings000
Equity11,11810,95610,971
Net Interest Income7581,5361,508
Fee Income327564
Overhead6911,3861,353
Net Operating Income157402301
Net Income157402301
Ratio Analysis Profitability%%%
Return on Assets *0.390.470.37
Operating Return on Assets *0.390.470.37
Return on Equity *2.993.682.78
Net Interest Margin *2.032.002.05
Fee Income / Assets *0.080.090.08
Overhead / Assets *1.661.631.66
Efficiency Ratio81.4977.5279.87
Asset Quality%%%
Nonperforming Assets / Assets0.120.070.08
Nonperforming Assets / Equity & Loss Reserves0.840.500.59
Loss Reserves / Nonperforming Loans271.58603.51534.33
1-4 Fam Mtg + MBS / Assets6.897.058.49
Commercial Real Estate Loans / Assets2.372.503.23
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.983.223.75
Consumer Loans / Assets3.944.604.59
Capitalization%%%
Equity / Assets13.4813.2613.44
Tangible Capital / Tangible Assets13.4813.2613.44
Risk-based Capital Ratio26.7425.6924.61
Liquidity%%%
Loans / Deposits38.3940.4244.94
Non-Interest Bearing Deposits / Deposits14.0314.8215.01
Purchased Liabilities5.025.704.29

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