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SAFE & SOUND® STAR RATINGS

ATLANTA NATIONAL BANK, THE

105 SOUTHWEST CHURCH STREET
ATLANTA, Illinois 61723

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 672238




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$57,879$60,752$63,505
Loans Receivable, Net16,60815,78815,299
Mortgage-Backed Securities11,03112,06515,971
Investments26,88124,99028,871
Deposits49,49449,00750,238
Borrowings6804,0966,383
Equity7,2947,1846,698
Net Interest Income1,4671,5061,428
Fee Income1029591
Overhead1,3981,3611,216
Net Operating Income347424543
Net Income324388494
Ratio Analysis Profitability%%%
Return on Assets *0.550.620.78
Operating Return on Assets *0.590.670.85
Return on Equity *4.455.457.19
Net Interest Margin *2.692.562.36
Fee Income / Assets *0.170.150.14
Overhead / Assets *2.372.171.91
Efficiency Ratio81.5677.2971.91
Asset Quality%%%
Nonperforming Assets / Assets0.010.170.00
Nonperforming Assets / Equity & Loss Reserves0.111.430.00
Loss Reserves / Nonperforming Loans1612.50107.69n/a
1-4 Fam Mtg + MBS / Assets28.0327.1231.43
Commercial Real Estate Loans / Assets2.082.652.63
Construction Loans / Assets1.040.640.33
Commercial & Industrial Loans / Assets1.972.141.33
Consumer Loans / Assets4.053.854.85
Capitalization%%%
Equity / Assets12.6011.8310.55
Tangible Capital / Tangible Assets12.6011.8310.55
Risk-based Capital Ratio29.9329.8228.38
Liquidity%%%
Loans / Deposits33.5632.2230.45
Non-Interest Bearing Deposits / Deposits20.1620.4218.75
Purchased Liabilities3.348.8411.54

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