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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 December 31, 2014
Federal Reserve System Identifier 337247




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$52,515$51,567$54,381
Loans Receivable, Net22,73419,95022,960
Mortgage-Backed Securities000
Investments27,46328,54428,040
Deposits39,89239,41241,569
Borrowings2,9573,8623,410
Equity9,5558,1979,255
Net Interest Income1,6171,5841,655
Fee Income596468
Overhead761700691
Net Operating Income1,0751,0311,150
Net Income1,0219801,093
Ratio Analysis Profitability%%%
Return on Assets *1.971.862.06
Operating Return on Assets *2.071.962.16
Return on Equity *11.1211.5812.05
Net Interest Margin *3.263.193.19
Fee Income / Assets *0.110.120.13
Overhead / Assets *1.461.331.30
Efficiency Ratio43.3641.4939.40
Asset Quality%%%
Nonperforming Assets / Assets0.000.010.01
Nonperforming Assets / Equity & Loss Reserves0.000.040.04
Loss Reserves / Nonperforming Loansn/a10300.007725.00
1-4 Fam Mtg + MBS / Assets10.139.8810.72
Commercial Real Estate Loans / Assets1.661.904.35
Construction Loans / Assets1.931.322.84
Commercial & Industrial Loans / Assets10.739.996.08
Consumer Loans / Assets2.192.312.16
Capitalization%%%
Equity / Assets18.1915.9017.02
Tangible Capital / Tangible Assets18.1915.9017.02
Risk-based Capital Ratio27.5927.7124.94
Liquidity%%%
Loans / Deposits56.9950.6255.23
Non-Interest Bearing Deposits / Deposits11.6912.2710.26
Purchased Liabilities9.1411.0310.06

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