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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, 2012
Federal Reserve System Identifier 718556




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$79,070$79,392$70,039
Loans Receivable, Net22,93919,43825,256
Mortgage-Backed Securities000
Investments29,50732,25627,281
Deposits64,56065,61955,427
Borrowings6,4346,0056,846
Equity7,9607,6667,658
Net Interest Income1,8762,1212,270
Fee Income167171189
Overhead1,8681,9091,976
Net Operating Income310498509
Net Income286479485
Ratio Analysis Profitability%%%
Return on Assets *0.340.600.66
Operating Return on Assets *0.370.630.69
Return on Equity *3.666.126.18
Net Interest Margin *2.402.893.38
Fee Income / Assets *0.200.220.26
Overhead / Assets *2.252.432.71
Efficiency Ratio85.7779.3176.98
Asset Quality%%%
Nonperforming Assets / Assets0.010.010.01
Nonperforming Assets / Equity & Loss Reserves0.060.060.05
Loss Reserves / Nonperforming Loans6420.001.661.27
1-4 Fam Mtg + MBS / Assets2.861.531.24
Commercial Real Estate Loans / Assets1.560.610.61
Construction Loans / Assets0.180.080.00
Commercial & Industrial Loans / Assets6.116.8515.82
Consumer Loans / Assets6.645.436.50
Capitalization%%%
Equity / Assets10.079.6610.93
Tangible Capital / Tangible Assets10.079.6610.93
Risk-based Capital Ratio25.8426.4022.02
Liquidity%%%
Loans / Deposits35.5329.6245.57
Non-Interest Bearing Deposits / Deposits26.4124.0020.10
Purchased Liabilities12.8315.8319.37

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
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