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SAFE & SOUND® STAR RATINGS

ANNA STATE BANK

100 EAST VIENNA STREET
ANNA, Illinois 62906

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of March 31, 2016
Federal Reserve System Identifier 691743




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$73,245$74,130$73,546
Loans Receivable, Net34,12034,46935,546
Mortgage-Backed Securities000
Investments29,90531,45131,847
Deposits61,22562,37462,222
Borrowings000
Equity11,92111,70511,267
Net Interest Income5682,2592,194
Fee Income43168157
Overhead4101,6081,618
Net Operating Income224849818
Net Income180649635
Ratio Analysis Profitability%%%
Return on Assets *0.880.870.88
Operating Return on Assets *1.151.131.14
Return on Equity *5.545.545.78
Net Interest Margin *3.293.223.22
Fee Income / Assets *0.240.220.22
Overhead / Assets *2.182.152.25
Efficiency Ratio64.6765.4566.42
Asset Quality%%%
Nonperforming Assets / Assets0.280.560.55
Nonperforming Assets / Equity & Loss Reserves1.653.423.51
Loss Reserves / Nonperforming Loans161.8878.8883.16
1-4 Fam Mtg + MBS / Assets26.0325.4127.04
Commercial Real Estate Loans / Assets10.0810.1610.24
Construction Loans / Assets0.280.770.56
Commercial & Industrial Loans / Assets2.232.102.04
Consumer Loans / Assets2.772.802.82
Capitalization%%%
Equity / Assets16.2815.7915.32
Tangible Capital / Tangible Assets16.2815.7915.32
Risk-based Capital Ratio36.6835.4532.52
Liquidity%%%
Loans / Deposits55.7355.2657.13
Non-Interest Bearing Deposits / Deposits25.9725.1624.08
Purchased Liabilities5.295.774.79

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