SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN NATIONAL BANK OF SIDNEY, THE
901 10TH
SIDNEY, Nebraska 69162

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 718556




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$89,696$82,216$79,070
Loans Receivable, Net26,31527,12022,939
Mortgage-Backed Securities000
Investments32,16432,66629,507
Deposits73,66065,83664,560
Borrowings7,6358,0196,434
Equity8,2928,2467,960
Net Interest Income4891,8811,876
Fee Income34159167
Overhead4991,8441,868
Net Operating Income50337310
Net Income45333286
Ratio Analysis Profitability%%%
Return on Assets *0.390.390.34
Operating Return on Assets *0.390.400.37
Return on Equity *4.104.113.66
Net Interest Margin *2.332.322.40
Fee Income / Assets *0.180.190.20
Overhead / Assets *2.192.162.25
Efficiency Ratio90.4084.5585.77
Asset Quality%%%
Nonperforming Assets / Assets0.010.000.01
Nonperforming Assets / Equity & Loss Reserves0.120.040.06
Loss Reserves / Nonperforming Loans3230.0010666.676420.00
1-4 Fam Mtg + MBS / Assets3.453.102.86
Commercial Real Estate Loans / Assets2.092.291.56
Construction Loans / Assets0.850.660.18
Commercial & Industrial Loans / Assets5.075.686.11
Consumer Loans / Assets8.318.566.64
Capitalization%%%
Equity / Assets9.2410.0310.07
Tangible Capital / Tangible Assets9.2410.0310.07
Risk-based Capital Ratio24.8323.8325.84
Liquidity%%%
Loans / Deposits35.7241.1935.53
Non-Interest Bearing Deposits / Deposits26.2026.4526.41
Purchased Liabilities12.8214.4612.83

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