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SAFE & SOUND® STAR RATINGS

AMERICAN NATIONAL BANK OF SIDNEY, THE

901 10TH
SIDNEY, Nebraska 69162

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 718556




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$85,759$85,383$82,216
Loans Receivable, Net31,84332,67327,120
Mortgage-Backed Securities000
Investments29,76031,00932,666
Deposits70,50765,60765,836
Borrowings6,25010,8748,019
Equity8,9208,7918,246
Net Interest Income5442,1801,881
Fee Income31138159
Overhead5081,9081,844
Net Operating Income88535337
Net Income84517333
Ratio Analysis Profitability%%%
Return on Assets *0.640.600.39
Operating Return on Assets *0.660.620.40
Return on Equity *6.406.064.11
Net Interest Margin *2.722.622.32
Fee Income / Assets *0.160.160.19
Overhead / Assets *2.222.202.16
Efficiency Ratio83.9777.7284.55
Asset Quality%%%
Nonperforming Assets / Assets0.030.050.00
Nonperforming Assets / Equity & Loss Reserves0.310.430.04
Loss Reserves / Nonperforming Loans1168.97846.1510666.67
1-4 Fam Mtg + MBS / Assets4.073.923.10
Commercial Real Estate Loans / Assets3.603.502.29
Construction Loans / Assets1.111.540.66
Commercial & Industrial Loans / Assets7.005.785.68
Consumer Loans / Assets10.0810.518.56
Capitalization%%%
Equity / Assets10.4010.3010.03
Tangible Capital / Tangible Assets10.4010.3010.03
Risk-based Capital Ratio22.1921.5123.83
Liquidity%%%
Loans / Deposits45.1649.8041.19
Non-Interest Bearing Deposits / Deposits27.0227.7426.45
Purchased Liabilities10.8616.5614.46

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