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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 December 31, 2012
Federal Reserve System Identifier 691743




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$69,485$70,489$67,561
Loans Receivable, Net34,42333,39632,857
Mortgage-Backed Securities000
Investments27,70029,97730,471
Deposits59,23360,85858,887
Borrowings000
Equity10,1229,4138,569
Net Interest Income2,2022,1411,984
Fee Income195182211
Overhead1,6111,6751,710
Net Operating Income886748583
Net Income689595526
Ratio Analysis Profitability%%%
Return on Assets *0.970.860.84
Operating Return on Assets *1.251.090.94
Return on Equity *6.986.516.15
Net Interest Margin *3.313.273.43
Fee Income / Assets *0.270.270.34
Overhead / Assets *2.272.452.76
Efficiency Ratio64.5269.1374.57
Asset Quality%%%
Nonperforming Assets / Assets0.870.480.33
Nonperforming Assets / Equity & Loss Reserves5.803.452.48
Loss Reserves / Nonperforming Loans55.851.001.01
1-4 Fam Mtg + MBS / Assets26.3226.9326.23
Commercial Real Estate Loans / Assets9.558.538.81
Construction Loans / Assets1.280.100.31
Commercial & Industrial Loans / Assets2.882.281.87
Consumer Loans / Assets3.683.623.38
Capitalization%%%
Equity / Assets14.5713.3512.68
Tangible Capital / Tangible Assets14.5713.3512.68
Risk-based Capital Ratio29.4628.3427.30
Liquidity%%%
Loans / Deposits58.1154.8855.80
Non-Interest Bearing Deposits / Deposits24.6222.3819.74
Purchased Liabilities2.2014.6014.41

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.65% 0.64%
Compare rates:
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