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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 December 31, 2012
Federal Reserve System Identifier 337247




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$54,381$50,921$47,885
Loans Receivable, Net22,96023,67023,583
Mortgage-Backed Securities000
Investments28,04023,07717,637
Deposits41,56938,81337,016
Borrowings3,4103,5523,689
Equity9,2558,4017,062
Net Interest Income1,6551,5851,472
Fee Income686571
Overhead691756763
Net Operating Income1,1501,014704
Net Income1,093964670
Ratio Analysis Profitability%%%
Return on Assets *2.061.921.43
Operating Return on Assets *2.162.021.50
Return on Equity *12.0511.969.09
Net Interest Margin *3.193.323.28
Fee Income / Assets *0.130.130.15
Overhead / Assets *1.301.511.63
Efficiency Ratio39.443.8548.88
Asset Quality%%%
Nonperforming Assets / Assets0.010.541.13
Nonperforming Assets / Equity & Loss Reserves0.043.177.37
Loss Reserves / Nonperforming Loans7725.001.311.31
1-4 Fam Mtg + MBS / Assets10.7211.9912.27
Commercial Real Estate Loans / Assets4.356.077.10
Construction Loans / Assets2.841.611.66
Commercial & Industrial Loans / Assets6.084.424.41
Consumer Loans / Assets2.163.152.82
Capitalization%%%
Equity / Assets17.0216.5014.75
Tangible Capital / Tangible Assets17.0216.5014.75
Risk-based Capital Ratio24.9425.0424.20
Liquidity%%%
Loans / Deposits55.2360.9863.71
Non-Interest Bearing Deposits / Deposits10.2610.509.33
Purchased Liabilities10.0616.4516.91

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.45%
1 yr CD
0.62% 0.67%
5 yr CD
1.23% 1.24%
1 yr jumbo CD
0.65% 0.64%
Compare rates:
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