SAFE & SOUND® STAR RATINGS

Financial statement

AREA BANK
225 MAIN STREET
ROSICLARE, Illinois 62982

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 360843




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$102,733$99,120$76,558
Loans Receivable, Net27,44128,01823,862
Mortgage-Backed Securities30,83332,44817,199
Investments31,15131,08130,393
Deposits94,46791,52861,020
Borrowings9229229,319
Equity7,2836,5136,155
Net Interest Income6002,2961,914
Fee Income120508267
Overhead5612,1991,590
Net Operating Income191579631
Net Income191579631
Ratio Analysis Profitability%%%
Return on Assets *0.620.590.95
Operating Return on Assets *0.620.590.95
Return on Equity *9.178.1910.38
Net Interest Margin *2.562.452.96
Fee Income / Assets *0.520.520.40
Overhead / Assets *2.292.232.40
Efficiency Ratio77.0677.2972.08
Asset Quality%%%
Nonperforming Assets / Assets0.760.871.52
Nonperforming Assets / Equity & Loss Reserves10.1612.4317.08
Loss Reserves / Nonperforming Loans374.77197.5157.68
1-4 Fam Mtg + MBS / Assets39.9943.5436.05
Commercial Real Estate Loans / Assets3.723.855.50
Construction Loans / Assets0.130.110.00
Commercial & Industrial Loans / Assets7.417.806.30
Consumer Loans / Assets2.222.442.91
Capitalization%%%
Equity / Assets7.096.578.04
Tangible Capital / Tangible Assets7.036.518.04
Risk-based Capital Ratio19.1018.8017.02
Liquidity%%%
Loans / Deposits29.0530.6139.11
Non-Interest Bearing Deposits / Deposits22.0619.8618.13
Purchased Liabilities1.571.6312.76

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