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SAFE & SOUND® STAR RATINGS

ANCHOR STATE BANK

246 2ND STREET
ANCHOR, Illinois 61720

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of March 31, 2015
Federal Reserve System Identifier 655530




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$14,419$14,948$15,752
Loans Receivable, Net4,5045,2566,425
Mortgage-Backed Securities000
Investments3,2453,4653,858
Deposits12,97113,52314,429
Borrowings000
Equity1,4351,4021,294
Net Interest Income88388375
Fee Income388
Overhead88377369
Net Operating Income113331
Net Income113331
Ratio Analysis Profitability%%%
Return on Assets *0.290.210.19
Operating Return on Assets *0.290.210.19
Return on Equity *3.152.412.36
Net Interest Margin *2.732.732.50
Fee Income / Assets *0.060.050.05
Overhead / Assets *2.392.392.27
Efficiency Ratio88.8991.9592.25
Asset Quality%%%
Nonperforming Assets / Assets1.281.241.20
Nonperforming Assets / Equity & Loss Reserves11.8712.2013.41
Loss Reserves / Nonperforming Loans62.5062.1660.85
1-4 Fam Mtg + MBS / Assets2.984.824.82
Commercial Real Estate Loans / Assets0.620.625.09
Construction Loans / Assets2.222.112.10
Commercial & Industrial Loans / Assets3.083.045.05
Consumer Loans / Assets1.051.101.95
Capitalization%%%
Equity / Assets9.959.388.21
Tangible Capital / Tangible Assets9.959.388.21
Risk-based Capital Ratio24.5322.7819.16
Liquidity%%%
Loans / Deposits34.7238.8744.53
Non-Interest Bearing Deposits / Deposits16.5717.5923.09
Purchased Liabilities0.000.000.00

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