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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 December 31, 2014
Federal Reserve System Identifier 718556




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$85,383$82,216$79,070
Loans Receivable, Net32,67327,12022,939
Mortgage-Backed Securities000
Investments31,00932,66629,507
Deposits65,60765,83664,560
Borrowings10,8748,0196,434
Equity8,7918,2467,960
Net Interest Income2,1801,8811,876
Fee Income138159167
Overhead1,9081,8441,868
Net Operating Income535337310
Net Income517333286
Ratio Analysis Profitability%%%
Return on Assets *0.600.390.34
Operating Return on Assets *0.620.400.37
Return on Equity *6.064.113.66
Net Interest Margin *2.622.322.40
Fee Income / Assets *0.160.190.20
Overhead / Assets *2.202.162.25
Efficiency Ratio77.7284.5585.77
Asset Quality%%%
Nonperforming Assets / Assets0.050.000.01
Nonperforming Assets / Equity & Loss Reserves0.430.040.06
Loss Reserves / Nonperforming Loans846.1510666.676420.00
1-4 Fam Mtg + MBS / Assets3.923.102.86
Commercial Real Estate Loans / Assets3.502.291.56
Construction Loans / Assets1.540.660.18
Commercial & Industrial Loans / Assets5.785.686.11
Consumer Loans / Assets10.518.566.64
Capitalization%%%
Equity / Assets10.3010.0310.07
Tangible Capital / Tangible Assets10.3010.0310.07
Risk-based Capital Ratio21.5123.8325.84
Liquidity%%%
Loans / Deposits49.8041.1935.53
Non-Interest Bearing Deposits / Deposits27.7426.4526.41
Purchased Liabilities16.5614.4612.83

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