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SAFE & SOUND® STAR RATINGS

ANCHOR STATE BANK

246 2ND STREET
ANCHOR, Illinois 61720

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




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$15,314$15,752$15,562
Loans Receivable, Net5,0856,4255,661
Mortgage-Backed Securities000
Investments3,9463,8582,000
Deposits13,91014,42914,163
Borrowings000
Equity1,3821,2941,364
Net Interest Income289375350
Fee Income589
Overhead278369385
Net Operating Income27312
Net Income27312
Ratio Analysis Profitability%%%
Return on Assets *0.250.190.01
Operating Return on Assets *0.250.190.01
Return on Equity *3.032.360.15
Net Interest Margin *2.632.502.84
Fee Income / Assets *0.040.050.06
Overhead / Assets *2.302.272.53
Efficiency Ratio91.1592.2599.48
Asset Quality%%%
Nonperforming Assets / Assets1.211.201.24
Nonperforming Assets / Equity & Loss Reserves12.4213.4113.05
Loss Reserves / Nonperforming Loans61.8360.8559.59
1-4 Fam Mtg + MBS / Assets4.704.825.04
Commercial Real Estate Loans / Assets2.125.095.29
Construction Loans / Assets2.082.102.66
Commercial & Industrial Loans / Assets2.085.052.63
Consumer Loans / Assets1.141.951.43
Capitalization%%%
Equity / Assets9.028.218.76
Tangible Capital / Tangible Assets9.028.218.76
Risk-based Capital Ratio22.9019.1621.91
Liquidity%%%
Loans / Deposits36.5644.5339.97
Non-Interest Bearing Deposits / Deposits16.7923.0922.87
Purchased Liabilities0.000.000.00

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