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, 2013
Federal Reserve System Identifier 672238




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$63,505$61,016$58,029
Loans Receivable, Net15,29914,66615,114
Mortgage-Backed Securities15,97116,67113,158
Investments28,87125,61424,828
Deposits50,23848,79245,466
Borrowings6,3834,6224,963
Equity6,6987,0256,901
Net Interest Income1,4281,3921,392
Fee Income919591
Overhead1,2161,3831,334
Net Operating Income543448462
Net Income494413428
Ratio Analysis Profitability%%%
Return on Assets *0.780.680.72
Operating Return on Assets *0.850.740.78
Return on Equity *7.195.856.36
Net Interest Margin *2.362.472.57
Fee Income / Assets *0.140.160.15
Overhead / Assets *1.912.272.26
Efficiency Ratio71.9182.6781.99
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.03
Nonperforming Assets / Equity & Loss Reserves0.000.000.21
Loss Reserves / Nonperforming Loansn/an/a0.75
1-4 Fam Mtg + MBS / Assets31.4333.5329.60
Commercial Real Estate Loans / Assets2.632.612.85
Construction Loans / Assets0.330.130.07
Commercial & Industrial Loans / Assets1.331.801.71
Consumer Loans / Assets4.855.035.74
Capitalization%%%
Equity / Assets10.5511.5111.89
Tangible Capital / Tangible Assets10.5511.5111.85
Risk-based Capital Ratio28.3829.0929.02
Liquidity%%%
Loans / Deposits30.4530.0633.24
Non-Interest Bearing Deposits / Deposits18.7516.6114.45
Purchased Liabilities11.548.9916.51

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