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SAFE & SOUND® STAR RATINGS

AMERICAN SAVINGS BANK

312 SOUTH MAIN STREET
TRIPOLI, Iowa 50676

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




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$51,836$51,567$54,381
Loans Receivable, Net21,73019,95022,960
Mortgage-Backed Securities000
Investments27,51928,54428,040
Deposits38,51939,41241,569
Borrowings3,8323,8623,410
Equity9,3188,1979,255
Net Interest Income1,1871,5841,655
Fee Income416468
Overhead605700691
Net Operating Income7441,0311,150
Net Income7089801,093
Ratio Analysis Profitability%%%
Return on Assets *1.771.862.06
Operating Return on Assets *1.861.962.16
Return on Equity *10.3411.5812.05
Net Interest Margin *3.173.193.19
Fee Income / Assets *0.110.120.13
Overhead / Assets *1.511.331.30
Efficiency Ratio47.5341.4939.40
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 / Assets10.229.8810.72
Commercial Real Estate Loans / Assets1.731.904.35
Construction Loans / Assets1.831.322.84
Commercial & Industrial Loans / Assets11.069.996.08
Consumer Loans / Assets2.412.312.16
Capitalization%%%
Equity / Assets17.9815.9017.02
Tangible Capital / Tangible Assets17.9815.9017.02
Risk-based Capital Ratio27.7727.7124.94
Liquidity%%%
Loans / Deposits56.4150.6255.23
Non-Interest Bearing Deposits / Deposits12.4112.2710.26
Purchased Liabilities10.9311.0310.06

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