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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 March 31, 2016
Federal Reserve System Identifier 672238




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$59,735$57,879$60,752
Loans Receivable, Net17,65316,60815,788
Mortgage-Backed Securities10,65211,03112,065
Investments28,31026,88124,990
Deposits48,88449,49449,007
Borrowings3,0016804,096
Equity7,5007,2947,184
Net Interest Income3921,4671,506
Fee Income2110295
Overhead3451,3981,361
Net Operating Income118347424
Net Income110324388
Ratio Analysis Profitability%%%
Return on Assets *0.610.550.62
Operating Return on Assets *0.650.590.67
Return on Equity *4.864.455.45
Net Interest Margin *2.762.692.56
Fee Income / Assets *0.170.170.15
Overhead / Assets *2.372.372.17
Efficiency Ratio78.7781.5677.29
Asset Quality%%%
Nonperforming Assets / Assets0.320.010.17
Nonperforming Assets / Equity & Loss Reserves2.520.111.43
Loss Reserves / Nonperforming Loans67.191612.50107.69
1-4 Fam Mtg + MBS / Assets27.7728.0327.12
Commercial Real Estate Loans / Assets2.212.082.65
Construction Loans / Assets1.101.040.64
Commercial & Industrial Loans / Assets2.471.972.14
Consumer Loans / Assets3.744.053.85
Capitalization%%%
Equity / Assets12.5612.6011.83
Tangible Capital / Tangible Assets12.5612.6011.83
Risk-based Capital Ratio29.2429.9329.82
Liquidity%%%
Loans / Deposits36.1133.5632.22
Non-Interest Bearing Deposits / Deposits19.5320.1620.42
Purchased Liabilities6.533.348.84

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