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 December 31, 2013
Federal Reserve System Identifier 718556




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$82,216$79,070$79,392
Loans Receivable, Net27,12022,93919,438
Mortgage-Backed Securities000
Investments32,66629,50732,256
Deposits65,83664,56065,619
Borrowings8,0196,4346,005
Equity8,2467,9607,666
Net Interest Income1,8811,8762,121
Fee Income159167171
Overhead1,8441,8681,909
Net Operating Income337310498
Net Income333286479
Ratio Analysis Profitability%%%
Return on Assets *0.390.340.60
Operating Return on Assets *0.400.370.63
Return on Equity *4.113.666.12
Net Interest Margin *2.322.402.89
Fee Income / Assets *0.190.200.22
Overhead / Assets *2.162.252.43
Efficiency Ratio84.5585.7779.31
Asset Quality%%%
Nonperforming Assets / Assets0.000.010.01
Nonperforming Assets / Equity & Loss Reserves0.040.060.06
Loss Reserves / Nonperforming Loans10666.676420.001.66
1-4 Fam Mtg + MBS / Assets3.102.861.53
Commercial Real Estate Loans / Assets2.291.560.61
Construction Loans / Assets0.660.180.08
Commercial & Industrial Loans / Assets5.686.116.85
Consumer Loans / Assets8.566.645.43
Capitalization%%%
Equity / Assets10.0310.079.66
Tangible Capital / Tangible Assets10.0310.079.66
Risk-based Capital Ratio23.8325.8426.40
Liquidity%%%
Loans / Deposits41.1935.5329.62
Non-Interest Bearing Deposits / Deposits26.4526.4124.00
Purchased Liabilities14.4612.8315.83

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