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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, 2015
Federal Reserve System Identifier 718556




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$87,008$85,383$82,216
Loans Receivable, Net37,13332,67327,120
Mortgage-Backed Securities000
Investments27,22031,00932,666
Deposits66,28165,60765,836
Borrowings11,26110,8748,019
Equity9,3648,7918,246
Net Interest Income2,3332,1801,881
Fee Income129138159
Overhead1,9891,9081,844
Net Operating Income572535337
Net Income554517333
Ratio Analysis Profitability%%%
Return on Assets *0.660.600.39
Operating Return on Assets *0.680.620.40
Return on Equity *6.066.064.11
Net Interest Margin *2.902.622.32
Fee Income / Assets *0.150.160.19
Overhead / Assets *2.362.202.16
Efficiency Ratio76.5677.7284.55
Asset Quality%%%
Nonperforming Assets / Assets0.030.050.00
Nonperforming Assets / Equity & Loss Reserves0.250.430.04
Loss Reserves / Nonperforming Loans1500.00846.1510666.67
1-4 Fam Mtg + MBS / Assets4.443.923.10
Commercial Real Estate Loans / Assets5.043.502.29
Construction Loans / Assets0.781.540.66
Commercial & Industrial Loans / Assets6.175.785.68
Consumer Loans / Assets12.0910.518.56
Capitalization%%%
Equity / Assets10.7610.3010.03
Tangible Capital / Tangible Assets10.7610.3010.03
Risk-based Capital Ratio21.0521.5123.83
Liquidity%%%
Loans / Deposits56.0249.8041.19
Non-Interest Bearing Deposits / Deposits27.7827.7426.45
Purchased Liabilities15.5916.5614.46

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