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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, 2014
Federal Reserve System Identifier 691743




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$73,546$67,706$69,485
Loans Receivable, Net35,54633,69134,423
Mortgage-Backed Securities000
Investments31,84726,32427,700
Deposits62,22257,26459,233
Borrowings000
Equity11,26710,40210,122
Net Interest Income2,1942,1882,202
Fee Income157158195
Overhead1,6181,5571,611
Net Operating Income818878886
Net Income635714689
Ratio Analysis Profitability%%%
Return on Assets *0.881.050.97
Operating Return on Assets *1.141.291.25
Return on Equity *5.786.946.98
Net Interest Margin *3.223.493.31
Fee Income / Assets *0.220.230.27
Overhead / Assets *2.252.282.27
Efficiency Ratio66.4263.9464.52
Asset Quality%%%
Nonperforming Assets / Assets0.550.590.87
Nonperforming Assets / Equity & Loss Reserves3.513.705.80
Loss Reserves / Nonperforming Loans83.1684.1355.85
1-4 Fam Mtg + MBS / Assets27.0427.7826.32
Commercial Real Estate Loans / Assets10.2410.599.55
Construction Loans / Assets0.560.561.28
Commercial & Industrial Loans / Assets2.042.082.88
Consumer Loans / Assets2.823.103.68
Capitalization%%%
Equity / Assets15.3215.3614.57
Tangible Capital / Tangible Assets15.3215.3614.57
Risk-based Capital Ratio32.5232.3429.46
Liquidity%%%
Loans / Deposits57.1358.8358.11
Non-Interest Bearing Deposits / Deposits24.0824.4024.62
Purchased Liabilities4.791.672.20

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