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SAFE & SOUND® STAR RATINGS

Financial statement

ATLANTA NATIONAL BANK, THE
105 SOUTHWEST CHURCH STREET
ATLANTA, Illinois 61723

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 672238




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$61,016$58,029$57,586
Loans Receivable, Net14,66615,11415,818
Mortgage-Backed Securities16,67113,15815,790
Investments25,61424,82822,818
Deposits48,79245,46645,519
Borrowings4,6224,9635,236
Equity7,0256,9016,323
Net Interest Income1,3921,3921,456
Fee Income959191
Overhead1,3831,3341,318
Net Operating Income448462405
Net Income413428396
Ratio Analysis Profitability%%%
Return on Assets *0.680.720.70
Operating Return on Assets *0.740.780.72
Return on Equity *5.856.366.06
Net Interest Margin *2.472.572.81
Fee Income / Assets *0.160.150.16
Overhead / Assets *2.272.262.35
Efficiency Ratio82.6781.9979.25
Asset Quality%%%
Nonperforming Assets / Assets0.000.030.09
Nonperforming Assets / Equity & Loss Reserves0.000.210.84
Loss Reserves / Nonperforming Loansn/a0.750.72
1-4 Fam Mtg + MBS / Assets33.5329.6035.50
Commercial Real Estate Loans / Assets2.612.852.33
Construction Loans / Assets0.130.070.72
Commercial & Industrial Loans / Assets1.801.711.66
Consumer Loans / Assets5.035.745.67
Capitalization%%%
Equity / Assets11.5111.8910.98
Tangible Capital / Tangible Assets11.5111.8510.90
Risk-based Capital Ratio29.0929.0226.28
Liquidity%%%
Loans / Deposits30.0633.2434.75
Non-Interest Bearing Deposits / Deposits16.6114.4514.91
Purchased Liabilities8.9916.5119.25

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.45%
1 yr CD
0.62% 0.67%
5 yr CD
1.23% 1.24%
1 yr jumbo CD
0.65% 0.64%
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