SAFE & SOUND® STAR RATINGS

Financial statement

ANCHOR STATE BANK
246 2ND STREET
ANCHOR, Illinois 61720

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 655530




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$15,720$15,752$15,562
Loans Receivable, Net5,5166,4255,661
Mortgage-Backed Securities000
Investments4,1583,8582,000
Deposits14,37314,42914,163
Borrowings000
Equity1,3281,2941,364
Net Interest Income97375350
Fee Income289
Overhead100369385
Net Operating Income0312
Net Income0312
Ratio Analysis Profitability%%%
Return on Assets *0.180.190.01
Operating Return on Assets *0.180.190.01
Return on Equity *2.232.360.15
Net Interest Margin *2.692.502.84
Fee Income / Assets *0.050.050.06
Overhead / Assets *2.372.272.53
Efficiency Ratio100.0092.2599.48
Asset Quality%%%
Nonperforming Assets / Assets1.211.201.24
Nonperforming Assets / Equity & Loss Reserves13.1713.4113.05
Loss Reserves / Nonperforming Loans60.5360.8559.59
1-4 Fam Mtg + MBS / Assets4.664.825.04
Commercial Real Estate Loans / Assets5.065.095.29
Construction Loans / Assets2.082.102.66
Commercial & Industrial Loans / Assets3.125.052.63
Consumer Loans / Assets1.851.951.43
Capitalization%%%
Equity / Assets8.458.218.76
Tangible Capital / Tangible Assets8.458.218.76
Risk-based Capital Ratio21.4919.1621.91
Liquidity%%%
Loans / Deposits38.3844.5339.97
Non-Interest Bearing Deposits / Deposits19.8423.0922.87
Purchased Liabilities0.000.000.00

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