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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 September 30, 2014
Federal Reserve System Identifier 718556




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$86,560$82,216$79,070
Loans Receivable, Net31,97327,12022,939
Mortgage-Backed Securities000
Investments32,75532,66629,507
Deposits67,99065,83664,560
Borrowings9,8668,0196,434
Equity8,6138,2467,960
Net Interest Income1,6111,8811,876
Fee Income105159167
Overhead1,4431,8441,868
Net Operating Income362337310
Net Income348333286
Ratio Analysis Profitability%%%
Return on Assets *0.550.390.34
Operating Return on Assets *0.560.400.37
Return on Equity *5.734.113.66
Net Interest Margin *2.572.322.40
Fee Income / Assets *0.160.190.20
Overhead / Assets *2.192.162.25
Efficiency Ratio79.5584.5585.77
Asset Quality%%%
Nonperforming Assets / Assets0.020.000.01
Nonperforming Assets / Equity & Loss Reserves0.150.040.06
Loss Reserves / Nonperforming Loans2515.3810666.676420.00
1-4 Fam Mtg + MBS / Assets4.143.102.86
Commercial Real Estate Loans / Assets2.272.291.56
Construction Loans / Assets0.930.660.18
Commercial & Industrial Loans / Assets7.125.686.11
Consumer Loans / Assets10.268.566.64
Capitalization%%%
Equity / Assets9.9510.0310.07
Tangible Capital / Tangible Assets9.9510.0310.07
Risk-based Capital Ratio21.9523.8325.84
Liquidity%%%
Loans / Deposits47.0341.1935.53
Non-Interest Bearing Deposits / Deposits25.8226.4526.41
Purchased Liabilities15.5014.4612.83

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