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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 December 31, 2014
Federal Reserve System Identifier 655530




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$14,948$15,752$15,562
Loans Receivable, Net5,2566,4255,661
Mortgage-Backed Securities000
Investments3,4653,8582,000
Deposits13,52314,42914,163
Borrowings000
Equity1,4021,2941,364
Net Interest Income388375350
Fee Income889
Overhead377369385
Net Operating Income33312
Net Income33312
Ratio Analysis Profitability%%%
Return on Assets *0.210.190.01
Operating Return on Assets *0.210.190.01
Return on Equity *2.412.360.15
Net Interest Margin *2.732.502.84
Fee Income / Assets *0.050.050.06
Overhead / Assets *2.392.272.53
Efficiency Ratio91.9592.2599.48
Asset Quality%%%
Nonperforming Assets / Assets1.241.201.24
Nonperforming Assets / Equity & Loss Reserves12.2013.4113.05
Loss Reserves / Nonperforming Loans62.1660.8559.59
1-4 Fam Mtg + MBS / Assets4.824.825.04
Commercial Real Estate Loans / Assets0.625.095.29
Construction Loans / Assets2.112.102.66
Commercial & Industrial Loans / Assets3.045.052.63
Consumer Loans / Assets1.101.951.43
Capitalization%%%
Equity / Assets9.388.218.76
Tangible Capital / Tangible Assets9.388.218.76
Risk-based Capital Ratio22.7819.1621.91
Liquidity%%%
Loans / Deposits38.8744.5339.97
Non-Interest Bearing Deposits / Deposits17.5923.0922.87
Purchased Liabilities0.000.000.00

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