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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, 2016
Federal Reserve System Identifier 916343




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$81,458$79,570$78,686
Loans Receivable, Net27,95728,38328,300
Mortgage-Backed Securities8068651,147
Investments31,64629,67631,450
Deposits69,45667,78567,187
Borrowings000
Equity11,83011,65611,357
Net Interest Income3951,4841,509
Fee Income95168
Overhead3201,2921,366
Net Operating Income117377304
Net Income117377304
Ratio Analysis Profitability%%%
Return on Assets *0.510.470.37
Operating Return on Assets *0.510.470.37
Return on Equity *3.513.252.72
Net Interest Margin *2.052.012.05
Fee Income / Assets *0.060.060.08
Overhead / Assets *1.601.611.65
Efficiency Ratio73.2377.4180.59
Asset Quality%%%
Nonperforming Assets / Assets0.040.040.05
Nonperforming Assets / Equity & Loss Reserves0.290.290.33
Loss Reserves / Nonperforming Loans800.00785.71789.47
1-4 Fam Mtg + MBS / Assets6.166.526.94
Commercial Real Estate Loans / Assets2.072.322.53
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.973.383.21
Consumer Loans / Assets2.582.893.60
Capitalization%%%
Equity / Assets14.5214.6514.43
Tangible Capital / Tangible Assets14.5214.6514.43
Risk-based Capital Ratio28.9428.5126.94
Liquidity%%%
Loans / Deposits40.2541.8742.12
Non-Interest Bearing Deposits / Deposits18.1517.3914.45
Purchased Liabilities4.344.375.26

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