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Andalusia Community Bank

Andalusia, IL · Cert 22959

FDIC · 2 branches

Q2 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2018, the quarter ended June 30, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Andalusia Community Bank

Andalusia, IL · Cert 22959

FDIC · 2 branches

Q2 2018

$39.5MAssets
$27.8MLoans
$33.1MDeposits
$6.3MEquity
Loan mix
88%RE $22.1M5%C&I $1.2M7%Consumer $1.8MQ2 2017Q2 2018
Deposit mix
77%Interest-bearing $25.5M23%Noninterest $7.6MQ2 2017Q2 2018

NIM

4.07%Q2 ’164.07%Q2 ’173.99%Q2 ’18+0%-2%

Non-interest income vs. expense

3.73%Q2 ’163.88%Q2 ’173.68%Q2 ’18+1%0%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2018 SOD (annual) · 0.4% share · #29 of 35 inst. · $0.0B of $8.2B

Executive Summary

  • Earnings: ROA of 0.44%, up 1 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 1.03% of loans (-245 bps YoY), with net charge-offs at 0.92%.
  • Capital: tier 1 leverage ratio of 16.16%, up 127 bps from a year ago.
  • Funding: loans stand at 84.15% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

0.44%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-8 bps YoY

Efficiency Ratio (YTD, annualized)

88.39%+81 bps YoY

Tier 1 Leverage Ratio

16.16%+127 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.43%1.64%1.36%0.16%0.44%+1 bps
Return on Equity2.93%11.04%9.02%1.02%2.73%-20 bps
Net Interest Margin3.89%3.77%3.79%3.78%3.81%-8 bps
Efficiency Ratio87.57%69.02%74.10%94.81%88.39%+81 bps
Non-Interest Burden3.34%2.03%2.42%3.57%3.33%-1 bps
Growth
Asset Growth (YoY)2.23%0.42%-1.89%-2.99%-0.59%-282 bps
Loan Growth (YoY)-1.33%-6.19%-6.98%-3.48%5.08%+641 bps
Deposit Growth (YoY)3.80%2.67%1.41%-3.83%-1.83%-564 bps
Asset Quality
Nonperforming Loans / Loans3.48%3.39%4.32%1.93%1.03%-245 bps
Net Charge-Offs / Loans-0.06%-0.06%-0.05%1.29%0.92%+98 bps
Allowance / Loans3.35%1.84%1.83%1.50%1.31%-204 bps
Allowance Coverage of NPLs1.0x0.5x0.4x0.8x1.3x+0.3x
Capital
Tier 1 Leverage Ratio14.90%15.65%15.87%16.10%16.16%+127 bps
Total Risk-Based Capital25.97%27.08%27.83%27.08%26.72%+75 bps
Equity / Assets14.87%15.75%16.04%15.82%15.96%+109 bps
Liquidity & Funding
Loans / Deposits78.61%79.27%82.15%81.39%84.15%+554 bps
Liquid Assets / Assets12.78%14.36%19.65%16.69%15.50%+272 bps
CRE / Total Capitaln/an/an/an/an/an/an/a