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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, 2015
Federal Reserve System Identifier 337247




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$55,722$52,515$51,567
Loans Receivable, Net25,97922,73419,950
Mortgage-Backed Securities000
Investments26,08827,46328,544
Deposits43,95939,89239,412
Borrowings1,7282,9573,862
Equity9,9339,5558,197
Net Interest Income1,6861,6171,584
Fee Income655964
Overhead789761700
Net Operating Income1,0041,0751,031
Net Income9541,021980
Ratio Analysis Profitability%%%
Return on Assets *1.751.971.86
Operating Return on Assets *1.842.071.96
Return on Equity *9.7411.1211.58
Net Interest Margin *3.223.263.19
Fee Income / Assets *0.120.110.12
Overhead / Assets *1.451.461.33
Efficiency Ratio44.0543.3641.49
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.01
Nonperforming Assets / Equity & Loss Reserves0.000.000.04
Loss Reserves / Nonperforming Loansn/an/a10300.00
1-4 Fam Mtg + MBS / Assets9.7610.139.88
Commercial Real Estate Loans / Assets1.911.661.90
Construction Loans / Assets1.151.931.32
Commercial & Industrial Loans / Assets12.8710.739.99
Consumer Loans / Assets1.582.192.31
Capitalization%%%
Equity / Assets17.8318.1915.90
Tangible Capital / Tangible Assets17.8318.1915.90
Risk-based Capital Ratio26.5927.5927.71
Liquidity%%%
Loans / Deposits59.1056.9950.62
Non-Interest Bearing Deposits / Deposits9.9711.6912.27
Purchased Liabilities15.279.1411.03

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