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 June 30, 2014
Federal Reserve System Identifier 672238




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$63,383$63,505$61,016
Loans Receivable, Net15,69415,29914,666
Mortgage-Backed Securities13,56815,97116,671
Investments30,67328,87125,614
Deposits50,56050,23848,792
Borrowings5,3986,3834,622
Equity7,1306,6987,025
Net Interest Income7541,4281,392
Fee Income419195
Overhead6541,2161,383
Net Operating Income244543448
Net Income223494413
Ratio Analysis Profitability%%%
Return on Assets *0.740.780.68
Operating Return on Assets *0.810.850.74
Return on Equity *6.827.195.85
Net Interest Margin *2.472.362.47
Fee Income / Assets *0.140.140.16
Overhead / Assets *1.981.912.27
Efficiency Ratio75.6971.9182.67
Asset Quality%%%
Nonperforming Assets / Assets0.020.000.00
Nonperforming Assets / Equity & Loss Reserves0.180.000.00
Loss Reserves / Nonperforming Loans892.31n/an/a
1-4 Fam Mtg + MBS / Assets28.0231.4333.53
Commercial Real Estate Loans / Assets3.352.632.61
Construction Loans / Assets0.540.330.13
Commercial & Industrial Loans / Assets2.111.331.80
Consumer Loans / Assets4.074.855.03
Capitalization%%%
Equity / Assets11.2510.5511.51
Tangible Capital / Tangible Assets11.2510.5511.51
Risk-based Capital Ratio28.5928.3829.09
Liquidity%%%
Loans / Deposits31.0430.4530.06
Non-Interest Bearing Deposits / Deposits16.6518.7516.61
Purchased Liabilities10.1211.548.99

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