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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 December 31, 2015
Federal Reserve System Identifier 691743




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$74,130$73,546$67,706
Loans Receivable, Net34,46935,54633,691
Mortgage-Backed Securities000
Investments31,45131,84726,324
Deposits62,37462,22257,264
Borrowings000
Equity11,70511,26710,402
Net Interest Income2,2592,1942,188
Fee Income168157158
Overhead1,6081,6181,557
Net Operating Income849818878
Net Income649635714
Ratio Analysis Profitability%%%
Return on Assets *0.870.881.05
Operating Return on Assets *1.131.141.29
Return on Equity *5.545.786.94
Net Interest Margin *3.223.223.49
Fee Income / Assets *0.220.220.23
Overhead / Assets *2.152.252.28
Efficiency Ratio65.4566.4263.94
Asset Quality%%%
Nonperforming Assets / Assets0.560.550.59
Nonperforming Assets / Equity & Loss Reserves3.423.513.70
Loss Reserves / Nonperforming Loans78.8883.1684.13
1-4 Fam Mtg + MBS / Assets25.4127.0427.78
Commercial Real Estate Loans / Assets10.1610.2410.59
Construction Loans / Assets0.770.560.56
Commercial & Industrial Loans / Assets2.102.042.08
Consumer Loans / Assets2.802.823.10
Capitalization%%%
Equity / Assets15.7915.3215.36
Tangible Capital / Tangible Assets15.7915.3215.36
Risk-based Capital Ratio35.4532.5232.34
Liquidity%%%
Loans / Deposits55.2657.1358.83
Non-Interest Bearing Deposits / Deposits25.1624.0824.40
Purchased Liabilities5.774.791.67

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