SAFE & SOUND® STAR RATINGS

Financial statement

AREA BANK
225 MAIN STREET
ROSICLARE, Illinois 62982

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




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$104,508$99,120$76,558
Loans Receivable, Net28,10228,01823,862
Mortgage-Backed Securities30,61432,44817,199
Investments29,76131,08130,393
Deposits95,32591,52861,020
Borrowings9239229,319
Equity8,1526,5136,155
Net Interest Income1,1972,2961,914
Fee Income251508267
Overhead1,1392,1991,590
Net Operating Income371579631
Net Income371579631
Ratio Analysis Profitability%%%
Return on Assets *0.660.590.95
Operating Return on Assets *0.660.590.95
Return on Equity *9.328.1910.38
Net Interest Margin *2.552.452.96
Fee Income / Assets *0.520.520.40
Overhead / Assets *2.312.232.40
Efficiency Ratio77.1277.2972.08
Asset Quality%%%
Nonperforming Assets / Assets0.790.871.52
Nonperforming Assets / Equity & Loss Reserves9.6112.4317.08
Loss Reserves / Nonperforming Loans272.67197.5157.68
1-4 Fam Mtg + MBS / Assets39.2043.5436.05
Commercial Real Estate Loans / Assets3.683.855.50
Construction Loans / Assets0.050.110.00
Commercial & Industrial Loans / Assets7.757.806.30
Consumer Loans / Assets2.072.442.91
Capitalization%%%
Equity / Assets7.806.578.04
Tangible Capital / Tangible Assets7.746.518.04
Risk-based Capital Ratio19.1318.8017.02
Liquidity%%%
Loans / Deposits29.4830.6139.11
Non-Interest Bearing Deposits / Deposits22.0419.8618.13
Purchased Liabilities1.551.6312.76

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

Connect with us