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SAFE & SOUND® STAR RATINGS

AREA BANK

225 MAIN STREET
ROSICLARE, Illinois 62982

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 360843




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$103,977$99,120$76,558
Loans Receivable, Net25,54828,01823,862
Mortgage-Backed Securities29,33432,44817,199
Investments27,25231,08130,393
Deposits95,06991,52861,020
Borrowings3189229,319
Equity8,4556,5136,155
Net Interest Income1,7762,2961,914
Fee Income384508267
Overhead1,7852,1991,590
Net Operating Income335579631
Net Income335579631
Ratio Analysis Profitability%%%
Return on Assets *0.470.590.95
Operating Return on Assets *0.470.590.95
Return on Equity *5.998.1910.38
Net Interest Margin *2.502.452.96
Fee Income / Assets *0.520.520.40
Overhead / Assets *2.412.232.40
Efficiency Ratio81.2177.2972.08
Asset Quality%%%
Nonperforming Assets / Assets0.790.871.52
Nonperforming Assets / Equity & Loss Reserves9.2212.4317.08
Loss Reserves / Nonperforming Loans251.55197.5157.68
1-4 Fam Mtg + MBS / Assets37.7843.5436.05
Commercial Real Estate Loans / Assets3.043.855.50
Construction Loans / Assets0.100.110.00
Commercial & Industrial Loans / Assets6.897.806.30
Consumer Loans / Assets1.982.442.91
Capitalization%%%
Equity / Assets8.136.578.04
Tangible Capital / Tangible Assets8.086.518.04
Risk-based Capital Ratio22.2018.8017.02
Liquidity%%%
Loans / Deposits26.8730.6139.11
Non-Interest Bearing Deposits / Deposits22.0119.8618.13
Purchased Liabilities1.141.6312.76

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