SAFE & SOUND® STAR RATINGS

Financial statement

ANCHOR STATE BANK
246 2ND STREET
ANCHOR, Illinois 61720

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 655530




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$15,752$15,562$14,606
Loans Receivable, Net6,4255,6615,933
Mortgage-Backed Securities000
Investments3,8582,0002,997
Deposits14,42914,16313,206
Borrowings000
Equity1,2941,3641,359
Net Interest Income375350337
Fee Income899
Overhead369385408
Net Operating Income312-12
Net Income3120
Ratio Analysis Profitability%%%
Return on Assets *0.190.010.00
Operating Return on Assets *0.190.01-0.08
Return on Equity *2.360.150.00
Net Interest Margin *2.502.842.84
Fee Income / Assets *0.050.060.06
Overhead / Assets *2.272.532.80
Efficiency Ratio92.2599.4896.91
Asset Quality%%%
Nonperforming Assets / Assets1.201.241.66
Nonperforming Assets / Equity & Loss Reserves13.4113.0516.42
Loss Reserves / Nonperforming Loans60.8559.591.94
1-4 Fam Mtg + MBS / Assets4.825.046.22
Commercial Real Estate Loans / Assets5.095.297.05
Construction Loans / Assets2.102.663.10
Commercial & Industrial Loans / Assets5.052.634.37
Consumer Loans / Assets1.951.431.29
Capitalization%%%
Equity / Assets8.218.769.30
Tangible Capital / Tangible Assets8.218.769.30
Risk-based Capital Ratio19.1621.9120.50
Liquidity%%%
Loans / Deposits44.5339.9744.93
Non-Interest Bearing Deposits / Deposits23.0922.8718.85
Purchased Liabilities0.000.0011.28

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