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SAFE & SOUND® STAR RATINGS

ANNA STATE BANK

100 EAST VIENNA STREET
ANNA, Illinois 62906

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 691743




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$74,768$73,546$67,706
Loans Receivable, Net36,02435,54633,691
Mortgage-Backed Securities000
Investments33,17231,84726,324
Deposits63,09662,22257,264
Borrowings000
Equity11,57911,26710,402
Net Interest Income5492,1942,188
Fee Income33157158
Overhead3881,6181,557
Net Operating Income215818878
Net Income175635714
Ratio Analysis Profitability%%%
Return on Assets *0.870.881.05
Operating Return on Assets *1.121.141.29
Return on Equity *5.695.786.94
Net Interest Margin *3.173.223.49
Fee Income / Assets *0.210.220.23
Overhead / Assets *2.202.252.28
Efficiency Ratio64.3466.4263.94
Asset Quality%%%
Nonperforming Assets / Assets0.760.550.59
Nonperforming Assets / Equity & Loss Reserves4.773.513.70
Loss Reserves / Nonperforming Loans58.7783.1684.13
1-4 Fam Mtg + MBS / Assets26.6827.0427.78
Commercial Real Estate Loans / Assets10.4510.2410.59
Construction Loans / Assets0.690.560.56
Commercial & Industrial Loans / Assets1.992.042.08
Consumer Loans / Assets2.902.823.10
Capitalization%%%
Equity / Assets15.4915.3215.36
Tangible Capital / Tangible Assets15.4915.3215.36
Risk-based Capital Ratio32.4732.5232.34
Liquidity%%%
Loans / Deposits57.0957.1358.83
Non-Interest Bearing Deposits / Deposits25.5324.0824.40
Purchased Liabilities4.794.791.67

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