SAFE & SOUND® STAR RATINGS

Financial statement

ANCHOR STATE BANK
246 2ND STREET
ANCHOR, Illinois 61720

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 655530




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$15,494$15,752$15,562
Loans Receivable, Net5,5096,4255,661
Mortgage-Backed Securities000
Investments4,1943,8582,000
Deposits14,10914,42914,163
Borrowings000
Equity1,3621,2941,364
Net Interest Income195375350
Fee Income489
Overhead193369385
Net Operating Income9312
Net Income9312
Ratio Analysis Profitability%%%
Return on Assets *0.220.190.01
Operating Return on Assets *0.220.190.01
Return on Equity *2.652.360.15
Net Interest Margin *2.752.502.84
Fee Income / Assets *0.060.050.06
Overhead / Assets *2.392.272.53
Efficiency Ratio95.5492.2599.48
Asset Quality%%%
Nonperforming Assets / Assets1.451.201.24
Nonperforming Assets / Equity & Loss Reserves15.1713.4113.05
Loss Reserves / Nonperforming Loans51.3460.8559.59
1-4 Fam Mtg + MBS / Assets4.684.825.04
Commercial Real Estate Loans / Assets3.605.095.29
Construction Loans / Assets2.082.102.66
Commercial & Industrial Loans / Assets2.595.052.63
Consumer Loans / Assets1.841.951.43
Capitalization%%%
Equity / Assets8.798.218.76
Tangible Capital / Tangible Assets8.798.218.76
Risk-based Capital Ratio21.5819.1621.91
Liquidity%%%
Loans / Deposits39.0544.5339.97
Non-Interest Bearing Deposits / Deposits18.6323.0922.87
Purchased Liabilities0.000.000.00

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