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SAFE & SOUND® STAR RATINGS

ATLANTA NATIONAL BANK, THE

105 SOUTHWEST CHURCH STREET
ATLATNA, Illinois 61723

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 672238




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$57,429$60,752$63,505
Loans Receivable, Net16,99815,78815,299
Mortgage-Backed Securities8,71312,06515,971
Investments26,32924,99028,871
Deposits49,37249,00750,238
Borrowings4614,0966,383
Equity7,3347,1846,698
Net Interest Income1,0831,5061,428
Fee Income789591
Overhead1,0231,3611,216
Net Operating Income251424543
Net Income234388494
Ratio Analysis Profitability%%%
Return on Assets *0.520.620.78
Operating Return on Assets *0.560.670.85
Return on Equity *4.245.457.19
Net Interest Margin *2.642.562.36
Fee Income / Assets *0.180.150.14
Overhead / Assets *2.342.171.91
Efficiency Ratio82.4377.2971.91
Asset Quality%%%
Nonperforming Assets / Assets0.200.170.00
Nonperforming Assets / Equity & Loss Reserves1.501.430.00
Loss Reserves / Nonperforming Loans112.50107.69n/a
1-4 Fam Mtg + MBS / Assets24.2327.1231.43
Commercial Real Estate Loans / Assets2.112.652.63
Construction Loans / Assets0.840.640.33
Commercial & Industrial Loans / Assets2.152.141.33
Consumer Loans / Assets4.223.854.85
Capitalization%%%
Equity / Assets12.7711.8310.55
Tangible Capital / Tangible Assets12.7711.8310.55
Risk-based Capital Ratio30.6529.8228.38
Liquidity%%%
Loans / Deposits34.4332.2230.45
Non-Interest Bearing Deposits / Deposits18.9120.4218.75
Purchased Liabilities3.408.8411.54

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