SAFE & SOUND® STAR RATINGS

Financial statement

ANNA STATE BANK
100 EAST VIENNA STREET
ANNA, Illinois 62906

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 691743




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$74,207$67,706$69,485
Loans Receivable, Net35,20933,69134,423
Mortgage-Backed Securities000
Investments31,47426,32427,700
Deposits63,15457,26459,233
Borrowings000
Equity10,94310,40210,122
Net Interest Income1,0822,1882,202
Fee Income75158195
Overhead7781,5571,611
Net Operating Income425878886
Net Income330714689
Ratio Analysis Profitability%%%
Return on Assets *0.991.050.97
Operating Return on Assets *1.181.291.25
Return on Equity *6.456.946.98
Net Interest Margin *3.363.493.31
Fee Income / Assets *0.230.230.27
Overhead / Assets *2.312.282.27
Efficiency Ratio64.6763.9464.52
Asset Quality%%%
Nonperforming Assets / Assets0.650.590.87
Nonperforming Assets / Equity & Loss Reserves4.313.705.80
Loss Reserves / Nonperforming Loans68.5284.1355.85
1-4 Fam Mtg + MBS / Assets26.3427.7826.32
Commercial Real Estate Loans / Assets10.0210.599.55
Construction Loans / Assets0.490.561.28
Commercial & Industrial Loans / Assets2.072.082.88
Consumer Loans / Assets2.763.103.68
Capitalization%%%
Equity / Assets14.7515.3614.57
Tangible Capital / Tangible Assets14.7515.3614.57
Risk-based Capital Ratio31.5432.3429.46
Liquidity%%%
Loans / Deposits55.7558.8358.11
Non-Interest Bearing Deposits / Deposits23.9024.4024.62
Purchased Liabilities4.621.672.20

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