Anchor State Bank

Anchor State Bank is headquartered in Anchor and is the 570^th largest bank in the state of Illinois. It is also the 7,279^th largest bank in the nation. It was established in 1920 and as of December of 2011, it had grown to 3 employees at 1 location. Anchor State Bank has a 4-star health rating.

Data for Q4 2011

Institution Statistics Anchor State Bank FDIC Certificate # 11681 BankRate Report View Year Established 1920 Employees 3 Primary Regulator FDIC Assets and Liabilities Assets $14.61 million Loans $5.93 million Deposits $13.21 million Equity Capital $1.36 million Loan Loss Allowance $115,000 Unbacked Noncurrent Loans $242,000 Historic Data - December 2010 Assets $13.36 million Equity Capital $1.35 million Loan Loss Allowance $90,000 Unbacked Noncurrent Loans $410,000 Profit Margin - Quarterly Net Interest Margin 2.84% Return on Assets 0% Return on Equity 0% Interest Income $472,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Anchor State Bank had $242,000 in non-current loans and owned real-estate with $1.47 million in equity and loan loss allowances on hand to cover it. This gives Anchor State Bank a Texas Ratio of 16.42% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Anchor State Bank decreased significantly from 28.51% as of December 31, 2010 to 16.42% as of December 31, 2011, resulting in a positive change of 42.42%.This indicates that the balance sheet and financial strength for Anchor State Bank has improved significantly in recent periods. Deposit Growth In the past year, Anchor State Bank has increased its total deposits by $1.24 million, resulting in 10.39% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Anchor State Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Anchor State Bank has $14.61 million in assets with $1.47 million in equity, resulting in a capitalization level of 10.09%, which is above average.

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