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 June 30, 2014
Federal Reserve System Identifier 718556




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$87,284$82,216$79,070
Loans Receivable, Net29,88827,12022,939
Mortgage-Backed Securities000
Investments33,40932,66629,507
Deposits70,62065,83664,560
Borrowings8,1078,0196,434
Equity8,4468,2467,960
Net Interest Income1,0241,8811,876
Fee Income77159167
Overhead9731,8441,868
Net Operating Income177337310
Net Income168333286
Ratio Analysis Profitability%%%
Return on Assets *0.460.390.34
Operating Return on Assets *0.460.400.37
Return on Equity *4.774.113.66
Net Interest Margin *2.422.322.40
Fee Income / Assets *0.180.190.20
Overhead / Assets *2.192.162.25
Efficiency Ratio84.1784.5585.77
Asset Quality%%%
Nonperforming Assets / Assets0.010.000.01
Nonperforming Assets / Equity & Loss Reserves0.150.040.06
Loss Reserves / Nonperforming Loans2492.3110666.676420.00
1-4 Fam Mtg + MBS / Assets3.643.102.86
Commercial Real Estate Loans / Assets2.372.291.56
Construction Loans / Assets1.080.660.18
Commercial & Industrial Loans / Assets5.645.686.11
Consumer Loans / Assets9.738.566.64
Capitalization%%%
Equity / Assets9.6810.0310.07
Tangible Capital / Tangible Assets9.6810.0310.07
Risk-based Capital Ratio22.5123.8325.84
Liquidity%%%
Loans / Deposits42.3241.1935.53
Non-Interest Bearing Deposits / Deposits25.7626.4526.41
Purchased Liabilities13.3614.4612.83

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