SAFE & SOUND® STAR RATINGS

Financial statement

ANNA STATE BANK
100 EAST VIENNA STREET
ANNA, Illinois 62906

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 691743




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$67,706$69,485$70,489
Loans Receivable, Net33,69134,42333,396
Mortgage-Backed Securities000
Investments26,32427,70029,977
Deposits57,26459,23360,858
Borrowings000
Equity10,40210,1229,413
Net Interest Income2,1882,2022,141
Fee Income158195182
Overhead1,5571,6111,675
Net Operating Income878886748
Net Income714689595
Ratio Analysis Profitability%%%
Return on Assets *1.050.970.86
Operating Return on Assets *1.291.251.09
Return on Equity *6.946.986.51
Net Interest Margin *3.493.313.27
Fee Income / Assets *0.230.270.27
Overhead / Assets *2.282.272.45
Efficiency Ratio63.9464.5269.13
Asset Quality%%%
Nonperforming Assets / Assets0.590.870.48
Nonperforming Assets / Equity & Loss Reserves3.705.803.45
Loss Reserves / Nonperforming Loans84.1355.851.00
1-4 Fam Mtg + MBS / Assets27.7826.3226.93
Commercial Real Estate Loans / Assets10.599.558.53
Construction Loans / Assets0.561.280.10
Commercial & Industrial Loans / Assets2.082.882.28
Consumer Loans / Assets3.103.683.62
Capitalization%%%
Equity / Assets15.3614.5713.35
Tangible Capital / Tangible Assets15.3614.5713.35
Risk-based Capital Ratio32.3429.4628.34
Liquidity%%%
Loans / Deposits58.8358.1154.88
Non-Interest Bearing Deposits / Deposits24.4024.6222.38
Purchased Liabilities1.672.2014.60

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