SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN SAVINGS BANK
312 SOUTH MAIN STREET
TRIPOLI, Iowa 50676

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 337247




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$52,193$51,567$54,381
Loans Receivable, Net20,77719,95022,960
Mortgage-Backed Securities000
Investments29,28328,54428,040
Deposits39,01639,41241,569
Borrowings3,8593,8623,410
Equity9,1658,1979,255
Net Interest Income7841,5841,655
Fee Income276468
Overhead397700691
Net Operating Income4601,0311,150
Net Income4369801,093
Ratio Analysis Profitability%%%
Return on Assets *1.741.862.06
Operating Return on Assets *1.831.962.16
Return on Equity *10.3911.5812.05
Net Interest Margin *3.183.193.19
Fee Income / Assets *0.120.120.13
Overhead / Assets *1.491.331.30
Efficiency Ratio47.2641.4939.40
Asset Quality%%%
Nonperforming Assets / Assets0.000.010.01
Nonperforming Assets / Equity & Loss Reserves0.020.040.04
Loss Reserves / Nonperforming Loans15450.0010300.007725.00
1-4 Fam Mtg + MBS / Assets9.949.8810.72
Commercial Real Estate Loans / Assets1.721.904.35
Construction Loans / Assets1.491.322.84
Commercial & Industrial Loans / Assets9.469.996.08
Consumer Loans / Assets2.152.312.16
Capitalization%%%
Equity / Assets17.5615.9017.02
Tangible Capital / Tangible Assets17.5615.9017.02
Risk-based Capital Ratio27.5827.7124.94
Liquidity%%%
Loans / Deposits53.2550.6255.23
Non-Interest Bearing Deposits / Deposits10.5812.2710.26
Purchased Liabilities11.2911.0310.06

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