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SAFE & SOUND® STAR RATINGS

ANCHOR STATE BANK

246 2ND STREET
ANCHOR, Illinois 61720

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 655530




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$14,118$15,517$14,948
Loans Receivable, Net7,0156,7935,256
Mortgage-Backed Securities000
Investments1,7501,9993,465
Deposits12,40713,88413,523
Borrowings0830
Equity1,6941,5271,402
Net Interest Income110391388
Fee Income298
Overhead96365377
Net Operating Income1664933
Net Income16610133
Ratio Analysis Profitability%%%
Return on Assets *1.720.680.21
Operating Return on Assets *1.370.330.21
Return on Equity *16.736.892.41
Net Interest Margin *3.012.842.73
Fee Income / Assets *0.050.060.05
Overhead / Assets *2.512.452.39
Efficiency Ratio75.5985.6891.95
Asset Quality%%%
Nonperforming Assets / Assets0.140.441.24
Nonperforming Assets / Equity & Loss Reserves1.144.1712.20
Loss Reserves / Nonperforming Loans275.00184.0662.16
1-4 Fam Mtg + MBS / Assets2.682.394.82
Commercial Real Estate Loans / Assets7.846.010.62
Construction Loans / Assets2.391.912.11
Commercial & Industrial Loans / Assets6.206.123.04
Consumer Loans / Assets1.301.251.10
Capitalization%%%
Equity / Assets12.009.849.38
Tangible Capital / Tangible Assets12.009.849.38
Risk-based Capital Ratio20.9119.4322.78
Liquidity%%%
Loans / Deposits56.5448.9338.87
Non-Interest Bearing Deposits / Deposits16.4719.8417.59
Purchased Liabilities0.000.530.00

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