Andalusia Community Bank

Andalusia Community Bank is headquartered in Andalusia and is the 461^st largest bank in the state of Illinois. It is also the 6,237^th largest bank in the nation. It was established in 1979 and as of December of 2011, it had grown to 13 employees at 2 locations. Andalusia Community Bank has a 4-star health rating.

Andalusia Community Bank Routing Number: 071124902

Data for Q4 2011

Institution Statistics Andalusia Community Bank FDIC Certificate # 22959 BankRate Report View Year Established 1979 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $54.34 million Loans $24.16 million Deposits $46.24 million Equity Capital $6.34 million Loan Loss Allowance $269,000 Unbacked Noncurrent Loans $1.11 million Historic Data - December 2010 Assets $50.11 million Equity Capital $5.78 million Loan Loss Allowance $191,000 Unbacked Noncurrent Loans $567,000 Profit Margin - Quarterly Net Interest Margin 3.21% Return on Assets 0.59% Return on Equity 5.09% Interest Income $2.19 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Andalusia Community Bank had $1.1 million in non-current loans and owned real-estate with $6.61 million in equity and loan loss allowances on hand to cover it. This gives Andalusia Community Bank a Texas Ratio of 16.71% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Andalusia Community Bank increased slightly from 9.49% as of December 31, 2010 to 16.71% as of December 31, 2011, resulting in a negative change of 76.02%. This indicates that the balance sheet and financial strength for Andalusia Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Andalusia Community Bank has increased its total deposits by $2.43 million, resulting in 5.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Andalusia Community Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Andalusia Community Bank has $54.34 million in assets with $6.61 million in equity, resulting in a capitalization level of 12.17%, which is excellent.

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