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SAFE & SOUND® STAR RATINGS

ATLANTA NATIONAL BANK, THE

105 SOUTHWEST CHURCH STREET
ATLATNA, Illinois 61723

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 672238




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$60,752$63,505$61,016
Loans Receivable, Net15,78815,29914,666
Mortgage-Backed Securities12,06515,97116,671
Investments24,99028,87125,614
Deposits49,00750,23848,792
Borrowings4,0966,3834,622
Equity7,1846,6987,025
Net Interest Income1,5061,4281,392
Fee Income959195
Overhead1,3611,2161,383
Net Operating Income424543448
Net Income388494413
Ratio Analysis Profitability%%%
Return on Assets *0.620.780.68
Operating Return on Assets *0.670.850.74
Return on Equity *5.457.195.85
Net Interest Margin *2.562.362.47
Fee Income / Assets *0.150.140.16
Overhead / Assets *2.171.912.27
Efficiency Ratio77.2971.9182.67
Asset Quality%%%
Nonperforming Assets / Assets0.170.000.00
Nonperforming Assets / Equity & Loss Reserves1.430.000.00
Loss Reserves / Nonperforming Loans107.69n/an/a
1-4 Fam Mtg + MBS / Assets27.1231.4333.53
Commercial Real Estate Loans / Assets2.652.632.61
Construction Loans / Assets0.640.330.13
Commercial & Industrial Loans / Assets2.141.331.80
Consumer Loans / Assets3.854.855.03
Capitalization%%%
Equity / Assets11.8310.5511.51
Tangible Capital / Tangible Assets11.8310.5511.51
Risk-based Capital Ratio29.8228.3829.09
Liquidity%%%
Loans / Deposits32.2230.4530.06
Non-Interest Bearing Deposits / Deposits20.4218.7516.61
Purchased Liabilities8.8411.548.99

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