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 March 31, 2014
Federal Reserve System Identifier 337247




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$51,160$51,567$54,381
Loans Receivable, Net20,25619,95022,960
Mortgage-Backed Securities000
Investments28,64428,54428,040
Deposits39,68039,41241,569
Borrowings2,6803,8623,410
Equity8,6808,1979,255
Net Interest Income3881,5841,655
Fee Income136468
Overhead204700691
Net Operating Income2231,0311,150
Net Income2119801,093
Ratio Analysis Profitability%%%
Return on Assets *1.791.862.06
Operating Return on Assets *1.891.962.16
Return on Equity *11.1711.5812.05
Net Interest Margin *3.213.193.19
Fee Income / Assets *0.120.120.13
Overhead / Assets *1.421.331.30
Efficiency Ratio49.1641.4939.40
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 / Assets10.009.8810.72
Commercial Real Estate Loans / Assets1.821.904.35
Construction Loans / Assets1.331.322.84
Commercial & Industrial Loans / Assets9.689.996.08
Consumer Loans / Assets2.462.312.16
Capitalization%%%
Equity / Assets16.9715.9017.02
Tangible Capital / Tangible Assets16.9715.9017.02
Risk-based Capital Ratio27.7427.7124.94
Liquidity%%%
Loans / Deposits51.0550.6255.23
Non-Interest Bearing Deposits / Deposits12.1012.2710.26
Purchased Liabilities8.8211.0310.06

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