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SAFE & SOUND® STAR RATINGS

ANCHOR STATE BANK

246 2ND STREET
ANCHOR, Illinois 61720

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 655530




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$15,517$14,948$15,752
Loans Receivable, Net6,7935,2566,425
Mortgage-Backed Securities000
Investments1,9993,4653,858
Deposits13,88413,52314,429
Borrowings8300
Equity1,5271,4021,294
Net Interest Income391388375
Fee Income988
Overhead365377369
Net Operating Income493331
Net Income1013331
Ratio Analysis Profitability%%%
Return on Assets *0.680.210.19
Operating Return on Assets *0.330.210.19
Return on Equity *6.892.412.36
Net Interest Margin *2.842.732.50
Fee Income / Assets *0.060.050.05
Overhead / Assets *2.452.392.27
Efficiency Ratio85.6891.9592.25
Asset Quality%%%
Nonperforming Assets / Assets0.441.241.20
Nonperforming Assets / Equity & Loss Reserves4.1712.2013.41
Loss Reserves / Nonperforming Loans184.0662.1660.85
1-4 Fam Mtg + MBS / Assets2.394.824.82
Commercial Real Estate Loans / Assets6.010.625.09
Construction Loans / Assets1.912.112.10
Commercial & Industrial Loans / Assets6.123.045.05
Consumer Loans / Assets1.251.101.95
Capitalization%%%
Equity / Assets9.849.388.21
Tangible Capital / Tangible Assets9.849.388.21
Risk-based Capital Ratio19.4322.7819.16
Liquidity%%%
Loans / Deposits48.9338.8744.53
Non-Interest Bearing Deposits / Deposits19.8417.5923.09
Purchased Liabilities0.530.000.00

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