SAFE & SOUND® STAR RATINGS

Financial statement

AREA BANK
225 MAIN STREET
ROSICLARE, Illinois 62982

STAR RATING: 4 starstarstarstar G
Predictive Indicator - (decline)
As of December 31, 2013
Federal Reserve System Identifier 360843




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$99,120$76,558$64,170
Loans Receivable, Net28,01823,86222,889
Mortgage-Backed Securities32,44817,1996,904
Investments31,08130,39328,143
Deposits91,52861,02056,783
Borrowings9229,3191,608
Equity6,5136,1555,710
Net Interest Income2,2961,9141,861
Fee Income508267248
Overhead2,1991,5901,568
Net Operating Income579631571
Net Income579631571
Ratio Analysis Profitability%%%
Return on Assets *0.590.951.00
Operating Return on Assets *0.590.951.00
Return on Equity *8.1910.3811.07
Net Interest Margin *2.452.963.45
Fee Income / Assets *0.520.400.44
Overhead / Assets *2.232.402.76
Efficiency Ratio77.2972.0873.00
Asset Quality%%%
Nonperforming Assets / Assets0.871.520.32
Nonperforming Assets / Equity & Loss Reserves12.4317.083.24
Loss Reserves / Nonperforming Loans197.5157.682.53
1-4 Fam Mtg + MBS / Assets43.5436.0527.67
Commercial Real Estate Loans / Assets3.855.506.74
Construction Loans / Assets0.110.000.00
Commercial & Industrial Loans / Assets7.806.305.29
Consumer Loans / Assets2.442.914.40
Capitalization%%%
Equity / Assets6.578.048.90
Tangible Capital / Tangible Assets6.518.048.90
Risk-based Capital Ratio18.8017.0216.46
Liquidity%%%
Loans / Deposits30.6139.1140.31
Non-Interest Bearing Deposits / Deposits19.8618.1316.60
Purchased Liabilities1.6312.767.45

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

Connect with us