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SAFE & SOUND® STAR RATINGS

Financial statement

ANDERSON STATE BANK
111 WEST HIGHWAY
ONEIDA, Illinois 61467

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 916343




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$81,602$74,503$66,085
Loans Receivable, Net31,63633,69733,766
Mortgage-Backed Securities1,99500
Investments26,41717,88519,256
Deposits70,39363,63855,511
Borrowings000
Equity10,97110,67210,382
Net Interest Income1,5081,5551,553
Fee Income647366
Overhead1,3531,3551,287
Net Operating Income301308242
Net Income301308242
Ratio Analysis Profitability%%%
Return on Assets *0.370.410.36
Operating Return on Assets *0.370.410.36
Return on Equity *2.782.912.31
Net Interest Margin *2.052.412.78
Fee Income / Assets *0.080.100.10
Overhead / Assets *1.661.841.96
Efficiency Ratio79.8777.7474.44
Asset Quality%%%
Nonperforming Assets / Assets0.080.531.02
Nonperforming Assets / Equity & Loss Reserves0.593.536.19
Loss Reserves / Nonperforming Loans534.331.561.36
1-4 Fam Mtg + MBS / Assets8.496.788.34
Commercial Real Estate Loans / Assets3.233.683.73
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets3.753.744.70
Consumer Loans / Assets4.595.065.86
Capitalization%%%
Equity / Assets13.4414.3215.71
Tangible Capital / Tangible Assets13.4414.3215.71
Risk-based Capital Ratio24.6115.4126.96
Liquidity%%%
Loans / Deposits44.9452.9560.83
Non-Interest Bearing Deposits / Deposits15.0114.6214.73
Purchased Liabilities4.2914.4213.18

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
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