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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 September 30, 2015
Federal Reserve System Identifier 691743




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$75,543$73,546$67,706
Loans Receivable, Net35,52435,54633,691
Mortgage-Backed Securities000
Investments31,36231,84726,324
Deposits63,56462,22257,264
Borrowings000
Equity11,91511,26710,402
Net Interest Income1,6822,1942,188
Fee Income113157158
Overhead1,1861,6181,557
Net Operating Income651818878
Net Income502635714
Ratio Analysis Profitability%%%
Return on Assets *0.850.881.05
Operating Return on Assets *1.081.141.29
Return on Equity *5.465.786.94
Net Interest Margin *3.193.223.49
Fee Income / Assets *0.210.220.23
Overhead / Assets *2.212.252.28
Efficiency Ratio64.5666.4263.94
Asset Quality%%%
Nonperforming Assets / Assets0.420.550.59
Nonperforming Assets / Equity & Loss Reserves2.603.513.70
Loss Reserves / Nonperforming Loans124.4383.1684.13
1-4 Fam Mtg + MBS / Assets25.4027.0427.78
Commercial Real Estate Loans / Assets10.5410.2410.59
Construction Loans / Assets0.750.560.56
Commercial & Industrial Loans / Assets2.142.042.08
Consumer Loans / Assets2.912.823.10
Capitalization%%%
Equity / Assets15.7715.3215.36
Tangible Capital / Tangible Assets15.7715.3215.36
Risk-based Capital Ratio34.7332.5232.34
Liquidity%%%
Loans / Deposits55.8957.1358.83
Non-Interest Bearing Deposits / Deposits24.5724.0824.40
Purchased Liabilities5.624.791.67

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